New Jersey Life and Health State Practice Exam

Major medical insurance is designed to cover a wide range of significant medical expenses. The correct answer is that it typically covers medical expenses resulting from a negative reaction to prescribed medication. This type of insurance is meant to handle serious health issues and unexpected health crises, including complications arising from prescribed treatments.

In the context of major medical insurance, the coverage is comprehensive and includes instances where a patient's health is jeopardized due to medications they were advised to take. This aligns with the purpose of major medical insurance, which is to provide financial support for substantial medical costs that arise from serious health incidents.

Other options, while they may seem plausible at first glance, fall outside the primary scope of what major medical insurance is typically intended to cover. Accidental injuries are generally covered as they are often unexpected and can lead to significant medical expenses. However, the focus on reactions to prescribed medications highlights the specific nature of the coverage, especially when it relates to serious health implications. Routine check-ups and cosmetic procedures usually are not covered by major medical plans as they are considered preventive or elective, which do not fall under the typical catastrophic events major medical insurance is designed to address.