Which of the following statements about health insurance is true?

The statement that health insurance pays for medical expenses after an injury occurs is accurate because one of the primary functions of health insurance is to offer financial protection against the costs associated with medical treatment following injuries or illnesses. Health insurance policies typically cover a range of medical services, including hospitalization, surgeries, and follow-up care, which can arise as a direct result of injuries.

This coverage can extend to both unexpected accidents and planned medical procedures, allowing individuals to seek necessary care without bearing the full burden of the associated costs at the time of treatment. By doing so, health insurance helps provide peace of mind to policyholders, knowing that they have financial support in addressing their medical needs when the situation arises.

Other statements are not accurate reflections of health insurance's role. For example, health insurance does not limit coverage to only preventive care, nor does it confine itself to life-threatening conditions. Additionally, health insurance provides ongoing coverage over the duration of the policy, even after claims are made, thus offering protection against future medical needs.