What is Health Insurance?



Health insurance is a type of insurance that covers partly or wholly, the risk of a person incurring medical expenses. It is an insurance coverage that generally pays for medical, surgical and prescription drugs or other medical expenses incurred by the insured individual or policy holder.



Health insurance companies either pays the healthcare providers of the insurer directly, or reimburse the insured individual after payment of medical bills.



Thus, as we can see, health insurance helps to reduce the cost of medical expenses, and can also be used for preventive medicines such as immunization, vaccinations, blood tests, routine medical tests and check-ups.



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