| Definition | A type of coverage that provides | A specific subset of health insurance |
| financial protection and access to | that focuses primarily on covering |
| a range of healthcare services and | medical expenses incurred due to |
| preventive measures for overall well-being. | illnesses, injuries, or accidents. |
| Scope | Encompasses a broader spectrum of | Primarily focuses on medical |
| health-related services and benefits, | treatments, hospitalization, surgery, |
| including preventive care, mental health, | diagnostics, and prescription drugs. |
| Preventive Measures | Often includes coverage for preventive | May offer limited coverage for |
| care services such as vaccinations, | preventive care services but is |
| screenings, wellness programs, and | primarily designed to handle medical |
| health education. | treatment expenses. |
| Coverage | Provides coverage for a wide range of | Offers coverage specifically for |
| healthcare services, including physical, | medical services and treatments, |
| mental, dental, vision, and more. | with a focus on managing medical |
| | costs and expenses. |
| Types | Includes various types such as private | Typically includes individual |
| health insurance, government-sponsored | medical insurance, group medical |
| programs like Medicare and Medicaid, and | insurance through employers, and |
| international health insurance. | specialized medical coverage. |
| Goal | Aims to promote overall well-being, | Aims to provide financial protection |
| prevent illness, and manage healthcare | against unexpected medical expenses |
| costs. | and ensure access to necessary care. |
| Premium Costs | Premiums can vary widely based on the | Premiums are typically calculated |
| extent of coverage, provider network, and | based on factors such as age, health, |
| plan type. | and coverage options, and may be |
| | lower compared to health insurance. |
| Out-of-Pocket Costs | May include deductibles, copayments, and | Typically involves deductibles, |
| coinsurance, with varying cost-sharing | copayments, and coinsurance for |
| requirements for different services. | medical services, with specific |
| | limits and coverage percentages. |
| Preventing Illness | Emphasizes preventive care and wellness | Focuses primarily on covering the |
| measures to prevent illnesses and | cost of medical treatments when |
| promote health. | illnesses or injuries occur. |
