What is typically covered by 'Mandatory Benefits'?

'Mandatory Benefits' refer to healthcare services that are required to be covered by health insurance plans as specified by law or regulation. This means that all health insurance policies must include coverage for these services, ensuring that essential health needs are met for insured individuals. These mandated services are established to provide a baseline of healthcare coverage that protects consumers and promotes public health.

For example, many jurisdictions have laws that require insurers to cover certain essential services such as hospital care, emergency services, and preventive care. This ensures that individuals have access to necessary medical treatments without facing financial barriers. The goal of these mandatory benefits is to ensure that critical health services are available to everyone, regardless of their financial situation.

In contrast, choices related to elective procedures or services chosen by the insured do not fall under the category of 'Mandatory Benefits'. These are typically options that individuals may decide to pursue based on personal preference rather than legal requirement, and thus are not guaranteed coverage under the same regulatory frameworks.