Which type of health insurance policy typically covers long-term care services?

Long-term care insurance is specifically designed to cover the costs associated with long-term care services, which can include assistance with daily activities such as bathing, dressing, and eating, as well as care in nursing homes, assisted living facilities, or in-home care. This type of policy is distinct from other forms of insurance as it focuses on providing coverage for extended care needs that are not typically covered by standard health insurance or Medicare.

Critical illness insurance provides a lump sum payment upon the diagnosis of a serious illness, but it does not cover ongoing care needs. Disability insurance replaces lost income when a person cannot work due to a disability but does not provide funding for long-term care. Life insurance primarily offers a death benefit and may include some elements for terminal illness or critical illness, but it is not structured to cover long-term care services. Thus, long-term care insurance is the most appropriate choice for covering these types of expenses, making it the correct answer.