Which term describes health insurance policies that offer broad coverage?

The term that describes health insurance policies offering broad coverage is comprehensive policies. These policies typically encompass a wide range of healthcare services, including inpatient and outpatient care, preventive services, prescription medications, and sometimes additional benefits like mental health services and wellness programs. The broad nature of comprehensive policies means that they aim to cover a significant portion of healthcare needs, reducing out-of-pocket expenses for a wide array of medical treatments and services.

In contrast, supplementary policies are designed to add coverage to existing insurance plans, usually filling gaps in coverage rather than providing complete protection. Basic policies generally offer limited coverage, addressing only essential medical services and potentially leaving out many routine or specialized treatments. Limited purpose policies specifically cover certain types of care, such as accident-only or critical illness benefits, which further restrict the breadth of coverage compared to comprehensive policies.