I tend to go overboard with these research things
Thanks for your reply The_Jazz. I guess I can sum my "fears" up in a few words here. I understant that different insurances offer different coverages at varying rates. I'd hate to simply dive head-first into one just to realize that she wouldn't be covered if "x" illness overcame her. It's not as simple as her answering "What do you want to be covered for" because, at this stage, we don't even know the general options and offerings, thus this post
I suppose having these questions answered is indeed why the world has insurance agents though - a valuable tool which I totally forgot about while considering the original question.