Which of the following most accurately describes Comprehensive Policies?

Comprehensive policies are designed to provide broad coverage, which means they encompass a wide range of healthcare services. This type of health insurance typically includes benefits for routine medical care, preventive services, hospitalizations, outpatient procedures, prescription drugs, and often additional services like mental health care and rehabilitation. The aim of comprehensive coverage is to protect individuals from high healthcare costs by minimizing out-of-pocket expenses for various medical needs.

The other options describe different aspects of health insurance that do not align with what is offered by comprehensive policies. Policies with limited coverage options focus on specific types of care rather than a wide array. Coverage that is restricted to only catastrophic events does not qualify as comprehensive, since it fails to address the full spectrum of healthcare needs. Lastly, while some comprehensive policies may have high deductibles, they are not defined by this characteristic alone; their primary feature is the wide-ranging coverage they provide.