Consumer Education
Quiz yourself by thinking what should be in
each of the black spaces below before clicking
on it to display the answer.
Help!
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| What you buy to protect yourself from financial loss due to illness, injury or damage | show 🗑
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| The amount you pay in exchange for insurance to the insurance company | show 🗑
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| When you buy insurance you buy this | show 🗑
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| This is an agreement to be protected by an insurance company | show 🗑
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| After you buy a policy you then become the | show 🗑
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| What you file in the event you do have a loss | show 🗑
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| Insurance protects you against something of what? | show 🗑
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| Something of value that if lost would cause you financial harm | show 🗑
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| show | appraisal
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| show | property insurance
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| show | liability insurance
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| Insurance the protects you , your spouse, and your children due to illness, disability, or death | show 🗑
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| Coverage for you when you are legally responsible for injuring other people in an automobile accident(usually show in two numbers 250,000/500,000 first is max for one person and second is maximum total) | show 🗑
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| Pays for the damage you cause to another person’s property-this is not your car(250,000/500,000/50,000 the last number is what company will pay up to in the damage you cause to others property | show 🗑
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| Pays medical and funeral expenses for you, your family members and other passengers in your car because of injuries that happened in an accident (does not matter who cause accident) | show 🗑
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| Pays medical and damage expenses for you and your passengers cuased by a driver without insurance or with too little insurance to cover the loss | show 🗑
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| Pays for damage to your car caused by something other than a collision(fire, earthquake, wind, hail, floods, vandalism, theft)(has deductibles) | show 🗑
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| show | collision coverage
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| show | deductibles
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| show | age-umarried males 16-25 pay higher rate, single pays more, grades- good grades has lower premiums, driving record-many accidents is higher premium, type of car-sport is higher, age-older get better rates, residence-city vs. suburbs and distance from city
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| Provides personal property and liability protection for you home | show 🗑
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| show | personal property
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| show | exclusions
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| Provides the same property and liability coverage as a homeowner policy but does not cover structure itself ( owner/landlord is responsible for theses losses) | show 🗑
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| Factors affecting the cost of homeowners insurance | show 🗑
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| show | new drugs, medical equipment, treatment procedures, advances in medical technology
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| Lawsuits against health car providers is _____ to the cost of health care | show 🗑
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| show | 1 million
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| Coverage for doctors in the event there is physical damage or death of a patient( can cost up to $150,00 a year) | show 🗑
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| show | room and board, routine nursing care, medical supplies, lab testing, operating room, x-ray equipment
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| surgery covers | show 🗑
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| show | some portions of doctors fees for nonsurgical care in office, hospital and your home
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| visit to doctors for routine health care | show 🗑
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| major medical covers | show 🗑
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| coverage for part or all of prescription pending on pan(excludes depression drugs, contraceptive, diet and experimental drugs) | show 🗑
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| medication that have the same composition as their name brand but less expensive | show 🗑
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| dental care covers/includes | show 🗑
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| vision care covers | show 🗑
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| show | cosmetic surgery, regular check ups if no medical problem, policies cover check up every 3 months for 1st life
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| Allows you to exceed your limit that health insurance will pay, usually covers medical expenses only for the disease that’s specified in the policy | show 🗑
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| Cover cost of someone taking care for you, pa a set amount per day for person that is caring for you | show 🗑
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| show | disability income insurance
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| Fee for service plans covers | show 🗑
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| Pay for health service as you need them( must pay a deductible) | show 🗑
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| A deductible ranges from | show 🗑
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| Prepaid plans, you pay healthcare coverage in advance instead of paying for services as you use them(insurance company controls cost of healthcare by negotiating fees with providers who want to participate in plan) | show 🗑
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| Specific amount you pay for services regardless of the cost of those services | show 🗑
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| Three types under managed care plan | show 🗑
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| show | Health maintenance organization(HMO)
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| Managed car plan most like a fee-for service, provides offer care to reduced price, no required doc/hospital, if go out of plan(pay certain %, pay difference between do charg/plan will pay) | show 🗑
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| show | Point of Service Plan(POS)
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| show | group health insurance
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| The cost to purchase insurance | show 🗑
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| Enroll in plan upon being hired | show 🗑
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| Requires your employer to offer to continue your health coverage for 18 months after you leave, must pay entire premium, not your employer | show 🗑
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| Medical condition diagnosed or treatment before you join a new insurance plan | show 🗑
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| You new insurance plan must cover any pre-existing conditions without a waiting period if you have been insured continuously the previous 12 months, (july 1, 1997) | show 🗑
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| show | allows more flexibility, more expensive, more variety of choices
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| show | medicare
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| Supplemental insurance sold by private insurance companies, not the gove( ex. AFLAC) | show 🗑
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| Coverage for individual with low incomes or disabilities regardless of age, supported by federal, state government. It is ran by state. | show 🗑
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| injured workers who receive 2/3 of their salary while they are disabled from something that happened to them on job( if death, family will receive compensation) | show 🗑
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| show | referral
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| show | life insurance
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| show | death benefit
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| show | term life insurance.
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| show | level term life insurance
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| show | Renewable term life insurance
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| At any time during the term, you can choose to convert the policy into a permanent policy | show 🗑
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| show | Permanent life insurance
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| Things to consider when buying life insurances | show 🗑
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| The permanent life insurance is | show 🗑
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Created by:
Brightonvball