टेकनिकेल ओंथिआव, बे सोदोबनि बाहायथिआ जायखि जाया बीमानि बेखेवसारनायाव बाहायजायो, जाय फाहामथायारि खर्साखौ रैखाथि होयो।
In a more technical sense, the term is used to describe any form of insurance that protects against the costs of medical services.