Major Medical policies normally cover

Well-baby care typically involves preventive services such as immunizations and check-ups for infants and toddlers. While many Major Medical policies may include some coverage for preventive care, this is not the primary focus of Major Medical insurance, which is geared more towards unexpected medical expenses rather than routine check-ups.

Custodial care refers to non-medical assistance for individuals who are unable to perform basic daily activities due to chronic illness or disability. This type of care is generally not covered by Major Medical policies, as it does not fall under the category of necessary medical treatment. Instead, custodial care is often covered by different types of insurance or programs, such as long-term care insurance.

Elective cosmetic surgery is performed for aesthetic purposes rather than for medical necessity. Major Medical policies do not cover these procedures, as they are not considered essential for health maintenance or treatment of medical conditions. Coverage is typically reserved for surgeries that address medical issues or injuries.