Major Medical Health Insurance is a type of medical insurance developed for protection against a broad range of catastrophic medical expenses, incurred in or out of the hospital. Major medical expense benefits are typically subject to a deductible and usually a coinsurance is involved. With Major Medical Health Insurance it may contain limits on specific types of charges, like room and board, but covers a major part of charges for hospital, doctor, private nurses, medical appliances, prescribed out-of-hospital treatment, drugs, and medicines. In summary, Major Medical Health Insurance Insurance covers most serious medical expenses up to a maximum limit, after a deductible and coinsurance provision. Major Medical Health Insurance is typically used as a complement to hospital/medical/surgical coverage's.