Originally health insurance only covered major medical expenses. what effect did this type of coverage have on the medical system?

The effect of major medical expenses coverage have on the medical system is: It prevented minor medical problems from becoming chronic illness
The type of illness that covered by this type of insurance are gallbladder disease, stroke, breast cancer, prostate cancer, colon cancer, respiratory problems, and osteoarthritis. 

It hurts for them at first then they get used to it