California Life and Health Insurance Practice Exam

The primary purpose of health insurance is to cover unexpected medical expenses. Health insurance serves as a financial safeguard against unforeseen medical costs, which can arise from illnesses, accidents, or other health-related issues. When individuals have health insurance, they can access necessary medical care without facing overwhelming financial burdens.

This system helps ensure that individuals can seek the care they need without the fear of potentially crippling expenses. Health insurance typically covers a variety of medical services, including doctor visits, hospital stays, surgeries, and preventive care, thereby promoting overall health and wellbeing in the community.

While other options involve financial planning or coverage, they do not represent the core function of health insurance as primarily aimed at addressing unforeseen health-related expenses.