Which type of insurance is designed primarily to cover healthcare services and hospitalizations?

Health insurance is specifically designed to cover the costs associated with healthcare services, such as doctor visits, hospital stays, surgeries, and medications. Its primary function is to protect individuals from high medical expenses and to provide access to necessary medical care. Health insurance policies often include various benefits for different types of healthcare services, ensuring that policyholders receive the appropriate care and treatment when needed.

In contrast, auto insurance focuses on protecting vehicles and covering liabilities associated with automobile accidents. Homeowners insurance safeguards against damages to one's home and personal property, while also providing liability coverage for accidents that occur on the property. Life insurance serves a very different purpose; it provides financial support to beneficiaries in the event of the policyholder's death, rather than addressing healthcare costs. Each of these other types of insurance serves distinct needs that do not encompass the coverage of healthcare services in the way health insurance does.