Exam 3 Crossword

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Across
  1. 2. a contract
  2. 4. provides benefits for surgical and medical services performed by physicians
  3. 5. chartered life underwriter
  4. 8. increases the likelihood of loss through some peril
  5. 10. coverage
  6. 11. the set amount that the policyholder must pay per loss on an insurance policy
  7. 14. prevents the provider from voiding coverage due to a misstatement by the insured after a specific amount of time has passed.
  8. 15. summary of benefits and coverage
  9. 18. The Health Insurance Portability and Accountability Act of 1996
  10. 19. a financial product that pays out a fixed stream of payments to an individual, primarily used as an income stream for retirees.
  11. 20. liability when a person is held responsible for their actions
  12. 24. risk in which there is a chance of either loss or gain
  13. 25. addition of coverage
  14. 27. health maintenance organization
  15. 29. insurance that provides coverage to a person's place of residence
  16. 33. a risk in which there is only a chance of loss
  17. 37. claim settlement where the insured receive payment based on current replacement cost
  18. 38. security or protection against a loss or other financial burden.
  19. 39. health savings account
  20. 40. fills the gap between Medicare payments and cost not covered by Medicare
  21. 42. insurance that pays for the damages to the automobile regardless of fault
  22. 45. process of establishing a monetary fund to cover the lost cost
  23. 46. return-of-premium
  24. 47. the full cost of repairing or replacing an object
  25. 48. point-of-service plan
  26. 52. exclusive provider organization
  27. 54. long-term care insurance
  28. 55. the right of the insurance company to recover the amount it pays in loss
  29. 57. uncertainty or lack of predictability
  30. 58. an insurance policy provision that adds benefits to or amends the terms of a basic insurance clause a particular and separate article, stipulation, or proviso in a treaty, bill, or contract.
  31. 59. limits payments made to survivors of a policyholder who dies by suicide within a certain period after purchasing the policy.
  32. 60. failure to take injuries
Down
  1. 1. the legal responsibility for the financial cost of another person’s losses or injuries
  2. 3. a person who derives advantage from something, especially a trust, will, or life insurance-policy a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).
  3. 6. policy that supplements your basic personal liability
  4. 7. a person's possessions
  5. 9. a program to medically assist low-income individuals and families
  6. 12. protection against possible financial loss
  7. 13. flexible spending account
  8. 16. a clause that would make the homeowner pay part of the losses if the property was not insured a person covered by an insurance policy
  9. 17. a risk-sharing firm that agrees to assume financial responsibility for losses resulting from an insured risk
  10. 21. a form of permanent life insurance—lasting for the lifetime of the holder—that features a cash value savings component.
  11. 22. lend (a sum of money or item of property).
  12. 23. preferred provider organization
  13. 26. a system in which drivers involved in accidents receive lost wages, medical expenses and other from their own insurance company
  14. 28. a sum of money claimed as a compensation for loss
  15. 30. established 1965 federal health insurance program for 65+ year olds, people with permanent kidney failure and other certain disabilities
  16. 31. liability when a person is held accountable for another person's actions
  17. 32. United States Department of Health and Human Services
  18. 33. legal or formal measure to preserve civil liberties and rights
  19. 34. estimate of monetary worth
  20. 35. the action or process of awarding someone money as a recompense for loss, injury, or suffering.
  21. 36. provides hospital care benefits on essentially a “service-type” basis
  22. 41. the cause of a possible loss
  23. 43. Affordable Care Act of 2010
  24. 44. a payment for services
  25. 45. out-of-pocket limit
  26. 49. when a company assumes the risk for a fee
  27. 50. Association Health Plans
  28. 51. insurance for people who rent
  29. 53. health reimbursement account
  30. 56. the process by which your lender verifies your income, assets, debt and property details in order to issue final approval on your loan application
  31. 61. coordination of benefits