Which expenses does health insurance primarily cover?

Health insurance is specifically designed to cover a wide range of medical expenses, which primarily includes costs associated with hospitalization, surgeries, outpatient care, preventive care, prescription medications, and various medical treatments. The goal of health insurance is to provide financial protection against the high costs of healthcare, thereby ensuring that individuals have access to necessary medical services when they need them without incurring significant out-of-pocket expenses.

In contrast, the other options—property damage expenses, entertainment expenses, and legal fees—fall outside the scope of what health insurance is intended to cover. Property damage refers to losses related to physical assets and is typically covered by homeowners or auto insurance. Entertainment expenses are personal spending unrelated to health or medical services, and legal fees pertain to costs associated with legal representation or litigation, which are often covered by liability or legal insurance. Therefore, the focus of health insurance on medical expenses directly aligns with its purpose of addressing healthcare needs, making it the correct answer.