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What is Health Insurance
Health insurance is insurance that specifically covers the insured, or individual covered under the policy, for expenses and losses that have been incurred due to medical reasons, usually through illness or hospitalization.

An automated system can be created by health insurance companies by estimating overall health care expenses for specific groups of the population and the overall risk of having to pay them. With these calculations health insurance companies can estimate an overall cost of coverage for individuals with in that group.