What type of insurance generally covers emergency medical services?

Health insurance is specifically designed to cover a wide range of medical expenses, including emergency medical services. This type of insurance provides financial protection for individuals against high costs of medical care by covering hospital visits, doctor consultations, surgical procedures, and prescription medications. In the context of emergencies, health insurance ensures that individuals receive necessary medical attention without the burden of excessive out-of-pocket expenses.

Short-term disability insurance primarily addresses loss of income due to an individual's inability to work as a result of illness or injury, rather than covering medical expenses. Life insurance is focused on providing financial support to beneficiaries after the policyholder’s death and does not cover any medical services. Property insurance protects physical assets like homes and vehicles but does not extend to medical needs. Thus, health insurance is the appropriate type that encompasses coverage for emergency medical services.