What kind of insurance covers voluntary medical payments?

Voluntary medical payments are typically covered under liability insurance. This type of insurance provides coverage for medical expenses incurred due to bodily injuries to others for which the insured is responsible. This can occur in situations where, even if the insured is not legally liable, they agree to pay for the medical expenses of an injured party to maintain goodwill or settle a claim amicably.

Liability insurance aims to protect individuals and businesses from claims resulting from injuries and damage to other people or property. It includes various forms such as general liability, commercial liability, and professional liability, all of which may include coverage for voluntary payments made on behalf of others.

In contrast, health insurance primarily covers medical expenses for the policyholder's own injuries and illnesses, property insurance pertains to the protection of physical assets from damage or loss, and auto insurance typically relates to coverage for vehicles and does not inherently cover voluntary medical payments to others. Thus, liability insurance is the most accurate choice for covering voluntary medical payments.