Which of the following options illustrates an example of a 'Mandatory Second Surgical Option'?

A 'Mandatory Second Surgical Option' typically refers to a practice where insurers require patients to obtain a second opinion before proceeding with elective surgeries. This is designed to ensure that the proposed surgical intervention is necessary and appropriate. By requiring a second opinion, insurers aim to reduce unnecessary surgical procedures, enhance patient safety, and control healthcare costs.

Thus, the choice indicating the requirement for a second opinion before surgery aligns directly with the concept of a mandatory second surgical option. It emphasizes the importance of verification for elective surgical decisions, ensuring that policyholders are making informed choices about their healthcare.

Other options do not represent the 'Mandatory Second Surgical Option' effectively. Limiting coverage for surgeries relates more to insurance policy terms than to a procedure validation process. Ensuring lower premiums focuses on cost aspects rather than surgical necessity. Hosting pre-surgery consultations may provide useful information to policyholders but does not directly entail a second opinion requirement, which is the defining characteristic of a mandatory second surgical option.