Which of the following is NOT typically covered by a major medical insurance policy?

Major medical insurance policies are designed to cover a wide range of healthcare expenses, specifically those that are unexpected or significant. This includes emergency medical expenses, hospital stays, and preventative care, which are all crucial for maintaining health and managing acute medical situations.

Custodial care, however, is generally not included in major medical insurance coverage. This type of care is often considered long-term assistance for individuals who may need help with daily living activities, such as bathing, dressing, or eating, rather than medical intervention. Because custodial care does not typically involve skilled nursing or critical medical services, it is usually excluded from the scope of major medical policies.

Understanding this distinction is important, as custodial care is often covered under different types of insurance, such as long-term care insurance, which specifically addresses the needs of individuals who require assistance with daily activities over extended periods. This highlights the focus of major medical insurance on acute and urgent health needs, rather than ongoing custodial support.