What does "basic health insurance" generally cover?

Basic health insurance typically covers essential medical services that are fundamental to maintaining health and addressing medical needs. This includes necessary doctor's visits, hospital stays, surgeries, diagnostic testing, and outpatient care. The focus of basic health insurance is to protect individuals from high medical costs associated with routine and emergency healthcare services.

In contrast, options describing cosmetic surgeries and elective procedures, alternative therapies and holistic treatments, as well as limited coverage for only preventative care and wellness programs do not align with the defining characteristics of basic health insurance. These types of services are generally not included in basic coverage as they often fall outside the scope of necessary medical treatment intended to maintain and restore health.