HEALTH INSURANCE is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured individual or their covered dependents. It serves as a financial safety net by providing reimbursement or direct payment for healthcare services, including hospitalization, doctor visits, prescription drugs, preventive care, and other medical treatments. Health insurance is essential for managing healthcare costs and ensuring access to medical care when needed. It helps protect individuals and families from financial hardship due to unexpected medical expenses and promotes regular healthcare utilization for maintaining overall health and wellness.