major medical

noun
insurance designed to compensate for particularly large medical expenses due to a severe or prolonged illness, usually by paying a high percentage of medical bills above a certain amount.

Origin:
1950–55; ellipsis of major medical expense insurance plan

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Based on the Random House Dictionary, © Random House, Inc. 2014.
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Example sentences
Not surprisingly, the potential of image guidance has attracted the major medical-device makers.
So far, the teams have avoided major medical problems because of the heat.
Major medical plans typically cover a comprehensive array of healthcare needs, including doctors' visits, drugs and hospital care.
If you and your family are not protected against catastrophic medical costs, you should consider a major medical policy.
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