What type of insurance provides services outside of an acute care unit of a hospital?

Long-term care insurance is specifically designed to cover services that assist individuals who require care outside of an acute care setting, such as a hospital. This type of insurance typically provides for various forms of long-term services, including personal care services in home environments or assisted living facilities. It addresses the needs of individuals who may not be recovering from surgery or illness but instead require ongoing support for daily activities due to chronic illnesses, disabilities, or the effects of aging.

The other types of insurance listed focus on different aspects of care and protection. Disability insurance offers income replacement for individuals unable to work due to a disability but does not cover long-term care services. Homeowner’s insurance protects property against damage and theft, and critical illness insurance provides a lump-sum benefit if diagnosed with specific serious conditions. None of these options address the provision of care services, making long-term care insurance the most relevant choice for services needed outside of a hospital's acute care unit.