What does 'long-term care insurance' typically cover?

Long-term care insurance is specifically designed to cover expenses related to long-term care services that are not typically included under regular health insurance plans. This type of insurance helps individuals pay for assistance with daily activities such as bathing, dressing, eating, and mobility, which may be needed due to chronic illnesses, disabilities, or aging.

Other choices do not accurately represent what long-term care insurance covers. Emergency medical services during a hospital stay are covered by health insurance, not long-term care insurance. Routine medical consultations and checkups are also part of standard health care coverage, while life insurance payouts for terminal illnesses refer to a completely different category of coverage that deals with life insurance benefits rather than care services. Therefore, the correct answer highlights the unique position of long-term care insurance in funding necessary care that falls outside the scope of traditional health insurance.