What type of insurance primarily covers medical expenses due to injury or illness?

Health insurance is specifically designed to cover medical expenses incurred due to injury or illness. It provides financial protection by helping individuals and families pay for necessary healthcare services, including hospital stays, doctor visits, prescription medications, preventive care, and sometimes even long-term care. Health insurance plans vary widely in coverage options, premiums, and deductibles, but their primary purpose remains consistent: to help offset the cost of medical care, which can be a significant financial burden without insurance.

In contrast, auto insurance provides coverage for damages and liabilities arising from vehicle accidents; life insurance offers a financial payout to beneficiaries upon the policyholder's death; and homeowners insurance protects against damage to one’s home and personal property, while also covering liability for accidents that occur on the property. Each of these other types of insurance serves a distinct purpose unrelated to medical expenses, which is why health insurance is the right answer for this question.