Which of the following does not benefit parts of medical expense policies?

Medical expense policies are designed to cover the costs associated with healthcare services, and they can generally operate under various frameworks. The options available typically pertain to how benefits are provided and calculated within those policies.

Reimbursement refers to a system where the insured pays for medical expenses upfront and then seeks repayment from the insurance company for the covered amount. This method directly benefits the policyholder as it ensures that they are compensated for their out-of-pocket costs.

Services basis means that medical expense policies may cover services directly rather than reimbursing the insured. In this scenario, the insurer pays the healthcare provider directly for the services rendered, which is beneficial for both the insured, as they are not required to handle payments upfront, and for providers, as they have assured compensation.

Indemnity basis provides a fixed amount as compensation regardless of actual expenses. This can benefit the insured by providing a predictable payment but may not cover the full costs of treatment. It ensures the insured is compensated, albeit sometimes less than their expenses.

On the other hand, class basis is not a standard term typically associated with benefits in medical expense policies. This term relates more to categorizing groups of policyholders for underwriting or rating purposes rather than directly impacting the issuance or structure of medical benefits. As such