Without a doubt, health insurance is very beneficial. This insurance product provides coverage for surgical and medical expenses. This is different from long term care insurance since the said insurance is designed to cover long term care services that is beyond the scope of health insurance. It covers services such as non-skilled care or custodial care. This type of care provides assistance in carrying daily activities like eating, bathing, toileting and others. It can also be used to pay for your skilled care expenses if you're recuperating from an injury or illness.