Medical expense policies may benefit in which of the following ways?

Medical expense policies can provide benefits in several ways, which is why the selected answer encompasses multiple methods of assisting insured individuals.

Reimbursement is a primary feature where the insured pays healthcare expenses upfront and later submits claims to be reimbursed by the insurance company, which is common in many health insurance policies. The service basis refers to arrangements where healthcare services are provided directly by the network of providers under a managed care plan, meaning the insured may not have to file a claim for reimbursement with such plans. Indemnity basis involves the insurer paying a specified amount regardless of the actual cost of treatment, allowing for flexibility in the choice of providers and treatment options.

Thus, the correct choice reflects the comprehensive nature of medical expense policies by acknowledging that they can offer benefits through reimbursement, service basis arrangements, and also through indemnity-based structures, providing a full spectrum of financial support for medical expenses.