What occurs when the limits of a basic policy are reached?

When the limits of a basic policy are reached, supplemental major medical insurance kicks in to provide additional coverage. Basic health insurance policies typically have a cap on the amount they will pay for certain types of healthcare costs or during a specific timeframe. Once these limits are met, the supplemental major medical insurance is designed to cover additional expenses that exceed the basic policy's limitations. This type of coverage helps bridge the gap, ensuring that the insured individual continues to have access to necessary medical services without being left with significant out-of-pocket expenses after their basic policy limits are exhausted.

Other options do not adequately address the situation. For instance, the cancellation of insurance tends to happen for reasons such as non-payment of premiums or policyholder's decision, rather than simply reaching a coverage limit. Furthermore, while emergency services may still be covered under certain circumstances, this option does not reflect the continuation of broader coverage for other medical needs. Lastly, stating that no further coverage is available suggests a lack of options, whereas supplemental insurance is specifically designed to extend benefits beyond the basic policy.