Activity Exam

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Across
  1. 1. liability which does not depend on actual negligence or intent to harm
  2. 3. coverage pays you what your property is worth today
  3. 7. prevents the provider from voiding coverage due to a misstatement by the insured after a specific amount of time has passed
  4. 9. a person or group in whose name an insurance policy is held
  5. 10. insurance of oneself or one's interests by maintaining a fund to cover possible losses rather than by purchasing an insurance policy
  6. 19. a danger or risk
  7. 20. pays for visits to a doctor's office or for a doctor's hospital visits
  8. 23. A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan's network (except in an emergency)
  9. 25. require every driver to file a claim with their own insurance company after an accident, regardless of who was at fault
  10. 29. type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers
  11. 30. a specified amount of money that the insured must pay before an insurance company will pay a claim
  12. 32. a payment made by a beneficiary (especially for health services) in addition to that made by an insurer
  13. 33. a type of permanent life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid on time
  14. 35. a category of risk that can be taken on voluntarily and will either result in a profit or loss
  15. 36. guarantees payment of a stated death benefit if the policyholder dies within the stated term period
  16. 39. 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
  17. 42. a health insurance organization to which subscribers pay a predetermined fee in return for a range of medical services from physicians and healthcare workers registered with the organization
  18. 44. a form of insurance or investment entitling the investor to a series of annual sums
  19. 46. an amount to be paid for an insurance policy
  20. 47. a type of insurance in which the insured pays a share of the payment made against a claim
  21. 49. extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare
  22. 50. insurance coverage that protects policyholders against losses associated with being treated in a hospital for a medical issue
  23. 54. a managed-care health insurance plan that provides different benefits for using in-network or out-of-network providers
  24. 55. a person or company that underwrites an insurance risk
  25. 57. are statutes that require an individual or business to prove that they can pay for damages resulting from an accident
  26. 58. an insurance policy that provides income to individuals who can no longer work because of a disability
  27. 60. type of health insurance that covers the expenses associated with serious illness or hospitalization
Down
  1. 2. A company, which may be for-profit, non-profit or government-owned, that sells the promise to pay for certain expenses in exchange for a regular fee
  2. 4. that a supervisory party (such as an employer) bears for the actionable conduct of a subordinate or associate (such as an employee) based on the relationship between the two parties
  3. 5. a course or principle of action adopted or proposed by a government, party, business, or individual
  4. 6. failure to take proper care in doing something
  5. 8. method for determining what an insurance company will pay you in case your property is stolen or destroyed
  6. 11. the state of being responsible for something, especially by law
  7. 12. risks that are beyond human control and result in a loss or no loss with no possibility of financial gain
  8. 13. provision for payment of double the face amount of an insurance policy under certain conditions
  9. 14. a system of healthcare in which patients agree to visit only certain doctors and hospitals, and in which the cost of treatment is monitored by a managing company
  10. 15. expenses that cover the costs of surgery up to a pre-determined limit
  11. 16. a type of insurance policy that covers personal property that is easily movable and provides additional coverage over what normal insurance policies do not
  12. 17. A US not-for-profit health care insurer that is a reimbursement intermediary for physicians
  13. 18. nonprofit health insurance organization offering hospitalization and medical benefits to subscribers, esp. to groups of employees and their families
  14. 21. a list of important items in a residential property
  15. 22. an instance of one moving object or person striking violently against another
  16. 24. determine the kinds of vehicles you're permitted to drive
  17. 26. reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating
  18. 27. the process insurers use to determine the risks of insuring your small business
  19. 28. federal health insurance for people 65 or older, some younger people with disabilities
  20. 31. a standard clause in life insurance policies that limits payments made to survivors of a policyholder who dies by suicide within a certain period after purchasing the policy
  21. 34. serious and immediate danger
  22. 37. a government-sponsored insurance program for individuals and families whose income is insufficient to cover health related services
  23. 38. is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage
  24. 40. the practice of auto insurance companies factoring in the principle place a driver garages his vehicle when setting auto insurance rates
  25. 41. allows plans that provide health and/or prescription coverage for a person with Medicare to determine their respective payment responsibilities
  26. 43. a person or organization covered by insurance
  27. 45. a person who derives advantage from something, especially a trust, will, or life insurance policy
  28. 48. a clause in an insurance policy detailing an exemption from or change in coverage
  29. 51. denoting or relating to an order to sell a security or commodity at a specified price in order to limit a loss
  30. 52. supplemental medical insurance coverage that pays benefits if you are hospitalized
  31. 53. is permanent life insurance (lasting the lifetime of the insured) that has an investment savings element and low premiums similar to those of term life insurance
  32. 56. a situation involving exposure to danger
  33. 59. an extra protection added to an insurance policy in exchange for paying a higher premium to an insurer