What type of coverage is primarily intended to protect against medical expenses?

Health insurance is designed specifically to cover medical expenses incurred due to illness or injury. This type of coverage can reimburse policyholders for a wide range of healthcare costs, including hospital stays, doctor's visits, prescription medications, and preventive care services. By alleviating the financial burden associated with medical care, health insurance plays a vital role in ensuring individuals have access to necessary treatments and healthcare services.

On the other hand, life insurance provides financial protection to beneficiaries upon the policyholder's death, primarily serving a different purpose related to income replacement and estate planning. Disability insurance offers financial support in the event a person cannot work due to a medical condition, focusing on income rather than medical expenses. Property insurance covers damages or losses to physical assets, such as homes or vehicles, rather than health-related costs. Thus, health insurance is the only option that directly addresses the need for coverage against medical expenses.