What is a common benefit of a medical expense policy?

A medical expense policy is primarily designed to cover costs associated with medical care, which typically includes payments for hospital stays. When individuals are hospitalized, their medical expense policy can help mitigate the financial burden by covering the costs associated with their treatment and stay in the facility.

While income replacement is an essential aspect of some insurance policies, it is not a feature of a medical expense policy, which focuses specifically on health-related expenses. Coverage for routine physical exams is often available under certain health insurance plans but may not be universally included in all medical expense policies. Therefore, while all the mentioned benefits can relate to aspects of healthcare coverage, the most direct and common benefit provided specifically by a medical expense policy is the payment for hospital stays.