Can you explain health-medical insurance

Health-medical insurance is a contract between an individual and an insurance provider that covers medical expenses incurred due to illnesses, injuries, or preventive care. Policyholders typically pay a monthly premium and may also have to cover deductibles, copayments, and coinsurance before the insurance starts to pay. It aims to reduce the financial burden of healthcare costs and ensure access to necessary medical services. Coverage can vary widely, including hospital stays, doctor visits, prescription medications, and preventive services.