Among the individual health insurance policies listed, which one provides the broadest protection?

Major Medical insurance provides the broadest protection among the listed individual health insurance policies. This type of coverage is designed to pay for a wide range of healthcare services, including hospital stays, surgeries, outpatient care, preventive services, and prescription medications. Major Medical policies typically offer high benefit limits and have fewer exclusions compared to other forms of insurance, allowing for comprehensive coverage that can address many medical needs.

In contrast, Basic Health Insurance generally covers only a limited set of services and may have lower benefit limits, making it less comprehensive. Critical Illness Insurance is specifically designed to provide a lump-sum payment upon diagnosis of certain serious illnesses, but it does not cover a broad spectrum of healthcare services. Accident Insurance focuses on medical costs resulting from accidents, thereby not providing a complete range of health services.