What is the primary purpose of a health insurance policy?

The primary purpose of a health insurance policy is to offer financial assistance for medical expenses. Health insurance is designed to help individuals cover the costs associated with healthcare services, including hospital stays, doctor visits, surgeries, and prescription medications. By alleviating the financial burden of unexpected or routine medical care, health insurance enables individuals to seek necessary treatment without facing overwhelming costs, ensuring access to healthcare when needed.

The other options address different aspects of healthcare and insurance. Liability coverage for health professionals is relevant to malpractice insurance, which protects practitioners from claims of negligence. Preventing illness and promoting wellness refers more to wellness programs and preventative care initiatives rather than the fundamental role of health insurance itself. Finally, ensuring a regular income in the event of disability pertains to disability insurance, which provides financial support if an individual is unable to work due to a medical condition. These options highlight important aspects of health and financial protection but do not encapsulate the core purpose of health insurance, which is specifically focused on covering medical expenses.