Description Term Covers cost of doctor visits, including consultations with specialists Comprehensive major medical insurance Provides broad coverage common lifetime limits of $500,000, 51,000,000, or no limits at all; usually includes a high deductible to protect against a catastrophic medical event Dental Insurance Dread disease insurance Covers semiprivate room rate including meals and nursing care; number of admission days usually limited Hospitalization insurance Major medical insurance Usually written under a group contract, includes coverage for hospitalization, surgery, physicians, and major medical protection in a single policy Physician expense Insurance a Surgical expense insurance Covers costs for an operation deemed medically necessary, usually excludes cosmetic procedures