Exam 3 Crossword

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