Health insurance will typically cover which of the following perils?

Health insurance is designed to provide coverage for medical expenses resulting from various scenarios, primarily focusing on the health needs of individuals. Injury due to accident is a primary peril that health insurance typically covers. This includes a wide range of situations such as car accidents, slips and falls, or other unforeseen incidents that result in bodily harm. The underlying principle is that health insurance serves to protect individuals from financial burdens stemming from unexpected accidents that require medical intervention.

In contrast, cosmetic surgery often does not qualify for coverage since it is typically elective and not deemed medically necessary. Intentional self-harm falls outside the scope of coverage as well, as many policies exclude conditions resulting from willful actions. Non-prescription drug use generally is not covered either, as health insurance primarily focuses on prescribed medications and treatments deemed necessary by medical professionals. By focusing on accidents, health insurance aims to alleviate the financial impact of unforeseen health issues faced by insured individuals.