Definition: The word "insurance" in this context refers to a type of insurance policy that provides financial protection for the insured, covering medical expenses, injuries, lost wages, and other losses resulting from an event or condition described as an "accident". The term "health" is used to describe the state of health of the person covered by the insurance, which can include physical, mental, emotional, psychological, or social conditions. The word "California" is a state in the United States.