Which type of insurance generally requires a deductible before coverage kicks in?

Health insurance typically requires a deductible, which is the amount the insured must pay out of pocket before the insurance company begins to cover healthcare expenses. This deductible structure is common in health insurance policies as it helps to reduce the number of small claims, encouraging individuals to be more conscious about their healthcare costs. Once the deductible is met, insurance benefits can be utilized, meaning that the insurer will start to pay a portion of the covered medical expenses.

In contrast, life insurance usually pays out a death benefit upon the policyholder's death without the requirement of a deductible. Liability insurance, while it may have other terms and conditions, generally does not operate on a deductible basis like health insurance. Property insurance can have deductibles, but it isn’t as universally required across all scenarios as it is in health insurance policies. Thus, health insurance stands out as the correct answer in this context due to its reliance on a deductible before benefits are activated.