I have a question.I still don't really understand the concept of insurance.

I do understand the concept for car insurance.You pay insurance to cover eg rm30K by paying rm1000.If you get into accident,the insurance co can pay up to rm30k.But then after that you need to start paying with 0 NCD,which is gonna be rm1k++.

Is this the same as life insurance or medical insurance?I mean,once I claim for medical insurance if I was to be hospitalized,do I need to pay extra after that?