Recognise an insurance policy’s purpose.
Insurance generally means financial protection against a risk. Health insurance centres on people’s healthcare. It therefore fits the question about social security.
Statutory health insurance shares costs collectively. Benefits and eligibility follow the law. An individual illness does not have to be paid for solely from that person’s previous contributions.
The other three answers
The other insurance types may matter, but cover different risks.
car insurance
Motor insurance concerns risks involving a vehicle. It does not replace health insurance.
building insurance
Buildings insurance protects a building against specified damage. It is not the healthcare protection asked for.
liability insurance
Liability insurance concerns other people’s compensation claims. That differs from covering one’s own illness costs.
Social security is more than one insurance branch.
Health insurance is one example. Pension, long-term care, unemployment and statutory accident insurance also contribute to social protection.
The exam answer does not mean every treatment is free or everyone has identical coverage. Specific rules govern benefits, co-payments and responsibilities.
Health insurance · Health & protection ↗Health insurance protects against illness risks.
Match each insurance type to its risk: health, vehicle, building or liability.
Three words for this question
- die Krankenversicherunghealth insurance
- Protection against risks associated with healthcare.
- die Leistungbenefit or service
- Here, care or support provided under an insurance system.
- solidarischsolidarity-based
- Sharing risks and funding collectively.