Comprehensive Major Medical Insurance

Updated: 09 June 2023

What Does Comprehensive Major Medical Insurance Mean?

Comprehensive major medical (CMM) insurance is a health insurance policy that combines traditional health care coverage and other basic medical expenses into one comprehensive insurance plan at an affordable cost. CMM insurance is a plan with a low deductible, high maximum benefits and a coinsurance feature, and it allows the insured to see any health care provider they choose.

Insuranceopedia Explains Comprehensive Major Medical Insurance

Some of the benefits of comprehensive major medical insurance are high sum assurance, pre-admission diagnosis expenses, outpatient expenses for kidney dialysis treatment or cancer, non-social medical system reimbursement, ambulance fees and no claim bonus. High sum assurance is when a CMM policy covers a major portion of hospitalization charges; pre-admission diagnosis includes laboratory examinations, diagnosis and x-rays, and the insured will only be reimbursed if they are hospitalized for treatment; outpatient expenses includes reimbursement for any outpatient expenses for kidney dialysis or cancer treatment; non-social medical treatment includes medicinal drugs not covered by the socialized health care system; ambulance fees include transportation fees incurred due to illness; and a no claim bonus refers to the annual limit increase an insured may receive in the renewal if they do not file a claim.

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