people who have major medical expenses
A major difference between the insurance types is that you typically have higher limits for expenses with major medical plans, which could have a maximum of $1 million or more, but you pay a deductible or co-payment with those plans.
Hospital expense insurance, surgical expense insurance, and physician expense insurance are called basic health insurance coverage. The maximum benefits payable under major medical insurance are limited to under $50,000 per illness per year.