Which type of insurance covers expenses for hospital stays and surgeries?

Health insurance is specifically designed to cover a wide array of medical expenses, including costs associated with hospital stays and surgeries. This type of insurance typically provides financial protection for various healthcare services, which encompasses inpatient and outpatient care, as well as surgical procedures.

In contrast, life insurance serves a different purpose; it offers a financial benefit to the beneficiaries of the policyholder upon their death, rather than covering medical or hospital expenses. Disability insurance provides income replacement for individuals who are unable to work due to a disability but does not cover direct health care or hospital costs. Property insurance focuses on protecting physical assets, such as homes or personal belongings, from damage or loss, and therefore does not relate to health-related expenses. Consequently, health insurance is the correct choice as it is explicitly designed to address the financial burdens associated with medical care.