Medical insurance, also known as health insurance, is a type of insurance coverage that helps individuals and families pay for medical expenses incurred due to illness, injury, or disability. Medical insurance can cover a wide range of medical services, such as doctor visits, hospitalization, prescription drugs, and medical procedures.

There are various types of medical insurance plans, including individual plans, group plans, and government-sponsored plans like Medicare and Medicaid. Medical insurance can be purchased directly from insurance companies or obtained through employers as part of employee benefits packages.

Medical insurance works by having individuals pay a monthly premium to the insurance company, which then pays for medical expenses according to the terms and conditions of the insurance policy. Depending on the plan, the individual may have to pay a certain amount out-of-pocket for medical expenses before the insurance coverage kicks in.

It's important to note that not all medical services or procedures may be covered by the insurance plan, and there may be limitations on the amount or frequency of coverage for certain services. It's essential to review the details of the insurance plan carefully and understand the terms and limitations of the coverage before signing up.