The following are covered Up to the Maximum Limit: Hospital Area and Board, Intensive Care, Medical Expenses, Regional Ambulance, Prescription Drugs, Emergency Room Accident, Dental – Due to Accident. Public (government) health insurance coverage – for this form to be referred to as insurance, premiums need to be collected, even although the coverage is supplied by the state. Depending on the type of health insurance coverage coverage, either the insured pays expenses out-of-pocket and is then reimbursed, or the insurer tends to make payments straight to the provider.