on which earlier health insurance plans have been grounded and by forcing a reappraisal of basic objectives, it has become one of the most critical issues facing the future of voluntarv health insurance. Major medical is a form of insurance that requires the insured to assume the full cost of a segment of health care. Thereafter it reimburses him for most of the cost of a broad spectrum of health services up to a large maximum amount. These requirements derive from three fundamental premises on which the insurance is based: (1) that if minor expenditures are not insured,