In a comprehensive major medical health insurance policy, which type of health care service is typically NOT covered?

In a comprehensive major medical health insurance policy, experimental and investigative services are typically not covered because these types of services often involve treatments or procedures that have not been proven to be effective or are still undergoing testing. Insurers generally reserve coverage for established and widely accepted medical practices, which have a track record of efficacy and safety.

This policy approach is rooted in the principle of managing risk and ensuring that patients receive care that is supported by strong clinical evidence. Experimental treatments may pose unknown risks and may not have undergone the rigorous scrutiny of clinical trials that standard treatments have, which justifies their exclusion from coverage under comprehensive plans.

On the other hand, professional services of doctors and other medical practitioners, hospital charges for semi-private room and board, and services provided by registered nurses are integral components of necessary care that medical insurance is designed to cover. These services are standard and critical for the diagnosis, treatment, and care of illnesses and injuries, making them essential for comprehensive health coverage.