What type of policy is typically more expensive due to included benefits?

A medical expense policy with normal pregnancy coverage is typically more expensive because it offers a broader range of benefits compared to other types of insurance policies. Including pregnancy coverage means that the policy needs to account for a variety of potential medical expenses related to prenatal care, labor, delivery, and postnatal care. This additional coverage requires a higher premium because it encompasses more services and higher costs associated with comprehensive maternity care.

In contrast, a basic health insurance policy generally covers only essential medical services and may not include specialized care like pregnancy, making it less costly. Similarly, while comprehensive auto insurance provides full protection against various risks such as theft, vandalism, and collision, its pricing is primarily driven by the vehicle's value and risk factors associated with driving, rather than the intrinsic benefits of the policy. A liability insurance policy also tends to focus on legal and financial coverage for accidents, which typically has a more straightforward cost structure based on the insured risk rather than a variety of benefits. Therefore, the medical expense policy with pregnancy coverage stands out as more expensive due to its extensive benefit offerings.