noun
medical expenses insurance
Insurance that covers medical costs; a formal term used in insurance contexts.
医療費用保険に加入しておくと、入院時の負担が軽減されます。
If you have medical expenses insurance, the financial burden during hospitalization is reduced.
医療保険 is a broader term for medical/health insurance, while 医療費用保険 specifically emphasizes coverage of medical expenses.
Compound of 医療 (medical care), 費用 (expenses), and 保険 (insurance).