Which type of health care service is typically NOT covered in a comprehensive major medical health insurance policy?

Comprehensive major medical health insurance policies are designed to cover a broad range of healthcare services, including hospital stays, physician visits, and nursing services, which are essential health needs. However, experimental and investigative services are typically not covered under these policies. This exclusion exists because experimental treatments often have not been proven effective or safe through the rigorous testing necessary for standard medical procedures.

Insurance companies aim to manage costs and reduce liability by not covering therapies or procedures that lack sufficient scientific backing. This means that while routine and necessary medical services are included in a comprehensive plan to provide patients with vital care, experimental or investigative services may present uncertainties regarding their efficacy and safety, leading insurers to exclude them from coverage.