What is the primary purpose of a health insurance policy?

The primary purpose of a health insurance policy is to assist with payment for healthcare services. This means that health insurance is designed to help individuals manage the costs associated with medical care, such as hospital visits, surgeries, preventive care, and prescription medications. By paying premiums to an insurance company, individuals can receive financial support when they need medical attention, which can alleviate the burden of high healthcare costs and ensure access to necessary treatments.

The other options, while related to health, do not accurately reflect the core intent of a health insurance policy. For instance, providing investment returns would imply that health insurance operates as an investment vehicle, which is not its primary function. Controlling all medical treatments is not feasible, as health insurance aims to provide access to care rather than dictate treatment choices. Lastly, reimbursing travel expenses for medical care is a specific benefit that may appear in some plans but is not the main focus of health insurance as a whole.