Which of these policies is considered to be a comprehensive health policy?

A Major Medical policy is recognized as a comprehensive health policy because it is designed to cover a broad range of medical expenses and provide significant financial protection against high medical costs. This type of policy typically includes coverage for hospital stays, outpatient care, surgeries, preventive care, and prescription medications, making it ideal for individuals seeking extensive coverage for both routine and catastrophic health situations.

In contrast, Health Savings Accounts, while useful for managing healthcare expenses, are not a policy in themselves but rather a savings vehicle that can be paired with high-deductible health plans. Short-term health insurance generally offers limited benefits and is intended for temporary coverage, often leaving gaps in essential health services. Fixed benefit insurance pays a predetermined amount for specific services and does not adjust according to the actual costs incurred, thus lacking the comprehensive nature of Major Medical policies.