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Annual Deductible the amount you may be required to pay out-of-pocket before the insurance company will begin paying for your medical claims. Keep in mind, your monthly premiums and copayments will often not count toward your deductible.
Cancer Insurance Coverage is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Claims state or assert that something is the case, typically without providing evidence or proof.
Collision Coverage A type of auto insurance coverage. Collision Insurance will reimburse the insured for any damage sustained to their personal automobile that is due to the fault of the insured driver.
Comprehensive Coverage-Other than Collision automobile coverage for theft, vandalism, fire, and collision with a falling object or animal
Deductibles (in an insurance policy) a specified amount of money that the insured must pay before an insurance company will pay a claim.
Dental Insurance Coverage is designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity generally
Disability Insurance Coverage offers income protection to individuals who become ... The latest offerings provide more coverage and the ability to pick and choose what
Earth Movement A peril including landslide, mudflow, earth sinking, rising or shifting and earthquake. Usually excluded on homeowner and commercial property policies.
Exclusions an item or risk specifically not covered by an insurance policy or other contract
Fire Insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy.
Group Insurance Coverage Health Insurance Plan' An insurance plan that provides healthcare coverage to a select group of people. Group health insurance plans are one of the major benefits offered by many employers.
Hazard a danger or risk.
HMO-(POS) or POS plan, is a type of managed care health insurance system. It combines characteristics of the Health maintenance organization (HMO) and the Preferred provider organization (PPO).
HMO is an organization that provides or arranges managed care for health insurance, self-funded health care benefit plans, individuals, and other entities in the United States and acts as a liaison with health care providers
Homeowners Insurance A form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
Individual Insurance Coverage Plans purchased by people who can't obtain coverage through their employer or through the government.
Insurable Interest-Financial Responsibility insurable interest when he or she will obtain some type of financial benefit from
Insurance a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
Insurance Policy a document detailing the terms and conditions of a contract of insurance.
Insured covered by insurance.
Insurer a person or company that underwrites an insurance risk; the party in an insurance contract undertaking to pay compensation.
Liability Coverage Many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured
Long Term Medical Coverage is designed to cover long-term services and supports, including personal and custodial care in a
Loss the fact or process of losing something or someone
Major Exclusions for Coverage what dont come into the coverage
Medicaid is the largest source of funding for medical and health-related services for people with low income in the United States.
Medical Payment Coverage(Med Pay) help you if you're injured in an accident
Medicare health care for the aged; a federally administered system of health insurance available to persons aged 65 and over
Medigap (Supplemental Coverage of 20%) provides you with the ... With Medicare Supplement Plan F, you get the most complete coverage available. ... Medical Expenses: pays Part B coinsurance — generally 20%
Miscellaneous Coverage-Towing, Rental Vehicle, Custom Coverage ms – the fee ... Miscellaneous Coverage-Towing, Rental Vehicle, Custom Coverage
Neglect fail to care for properly.
Peril serious and immediate danger.
Personal Auto Policy (PAP) A policy insuring private-passenger autos owned by individuals
Possible lengthy waiting periods The length of this type of waiting period can vary from one to 18 months. However ... Shrinking face pores isn't exactly possible, but you can make them less visible.
Power Failure equipment failure resulting when the supply of power fails; "the ice storm caused a power outage"
PPO A type of health insurance arrangement that allows plan participants relative freedom to choose the doctors and hospitals they want to visit.
Premiums an amount to be paid for an insurance policy.
Property Coverage A-Dwelling The structure of the house is considered a covered property.
Property Coverage B-Other structures Structures on your property that are not attached to you dwelling, such as a detached garage, gazebo, or storage shed
Property Coverage C-Personal Property Coverage n-Replacement value means the cost to repair or
Property Coverage D-Loss of Use /Additional Living Expenses: Covers expenses associated
Property Damage Coverage his coverage typically pays if another person's property is damaged when you're legally at fault in an accident.
Renters Insurance A form of property insurance that provides coverage for a policy holder's belongings and liability within a rental property.
Risk a situation involving exposure to danger
Traditional Health Insurance generally pays for only part of your health care costs. ... They also have a lifetime cap, meaning that when your bills reach that ...
Underinsured Motorist Coverage n auto insurance policy provision that extends coverage to include property and bodily damage caused by a motorist with insufficient insurance.
Vision Insurance Coverage A type of health insurance plan under which vision care, such as eye examination, and vision aids, such as glasses or
Water Damage Water damage describes a large number of possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, growth, rusting of steel, de-laminating of materials such as plywood,
Created by: codyclayton96



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