What type of insurance typically covers hospital stays and medical expenses?

Health insurance is specifically designed to cover hospital stays and medical expenses incurred due to illness or injury. This type of insurance typically includes a range of services such as doctor visits, surgeries, hospital stays, preventive care, and prescriptions. Health insurance plans are essential for providing financial protection against high medical costs, allowing individuals access to necessary medical care without excessive out-of-pocket expenses.

Life insurance, on the other hand, provides financial protection to an individual's beneficiaries upon their death, rather than covering medical expenses. Disability insurance offers income replacement to individuals who are unable to work due to a disability, rather than directly covering healthcare costs. Auto insurance is aimed at covering damages and liabilities arising from vehicle accidents, which is unrelated to health care expenses. Thus, health insurance is the most appropriate answer as it directly addresses the coverage of hospital and medical costs.