Across
- 3. State legislation that requires drivers to prove their ability to cover the cost of damage in an automobile accident.
- 5. Combination of hospital expense insurance, surgical expense insurance, and physician expense insurance.
- 7. You receive the full cost of repairing or replacing a damaged or lost item.
- 9. A provision under which an insured pays a certain amount, after which the insurance company pays 100 percent of the remaining covered expenses.
- 11. An independent membership corporation that provides protection against the cost of surgical and medical care.
- 15. A benefit under which the company pays twice the face value of the policy if the insured’s death results from an accident.
- 19. Coverage for your place of residence and its associated financial risks.
- 20. A payment you receive that is based on the current replacement cost of a damaged or lost item less depreciation.
- 22. A network of selected contracted, participating providers; also called an HMO-PPO hybrid or open-ended HMO.
- 24. The homeowner would have to pay for a portion of the cost to replace their home.
- 25. A method of integrating the benefits payable under more than one health insurance plan.
- 28. Protection against possible financial loss.
- 29. A risk that carries a chance of either loss or gain.
- 31. The amount received after giving up a life insurance policy.
- 33. Possible losses due to negligence resulting in bodily injury or property damage to others.
- 35. A contract that provides a regular income, typically for as long as the person lives.
- 36. An organized strategy for protecting assets and people.
- 39. Failure to take ordinary or reasonable care.
- 40. A provision that allows the insured not to forfeit all accrued benefits.
- 42. A provision under which the insured pays a flat dollar amount each time a covered medical service is received after the deductible has been met.
- 44. A list or other documentation of personal belongings.
- 46. A type of major medical insurance that has a very low deductible and is offered without a separate basic plan.
- 49. Supplements Medicare by filling the gap between Medicare payments and medical costs not covered by Medicare.
- 50. Pays the cost of minor accidental injuries on your property or minor injuries caused by you.
- 52. A fee to be paid to an insurance company.
- 53. The name for personal, property, or liability risks.
- 56. Legal responsibility for the financial cost of another person's losses or injuries.
- 57. Which covers the damage or loss of a specific item of high value.
- 58. When a person is held responsible for the actions of another person.
- 59. Pays stipulated daily, weekly, or monthly cash benefits during hospital confinement.
- 60. Addition of coverage.
Down
- 1. A health insurance plan that provides a wide range of health care services for a fixed, prepaid monthly premium.
- 2. Increases the likelihood of loss through some peril.
- 4. The uncertainties surrounding loss of income or life due to death, illness, or unemployment.
- 6. Pays part or all of hospital bills for room, board, and other charges.
- 8. A network that renders medical care from affiliated health care providers.
- 10. A contract.
- 12. Covers the risk of financial loss due to legal expenses associated with automobile accidents.basic health insurance coveragebasic health insurance coverage
- 13. A risk-sharing firm that agrees to assume financial responsibility for losses that may result from an insured risk.
- 14. The set amount that the policyholder must pay per loss on an insurance policy.
- 16. Pays most of the costs exceeding those covered by the hospital, surgical, and physician expense policies.
- 17. Provides payments to replace income when an insured person is unable to work.
- 18. A federal health insurance program for people 65 or older, people of any age with permanent kidney failure, and people with certain disabilities.
- 21. The process that insurance companies use to determine the premiums that will be charged and whom they will insure.
- 23. The process of establishing a monetary fund to cover the cost of a loss.
- 26. An independent membership corporation that provides protection against the cost of hospital care.
- 27. A program of medical assistance to low-income individuals and families.
- 30. A provision under which both the insured and the insurer share the covered losses.comprehensive major medical insurance
- 32. Uncertainty or lack of predictability.
- 34. A method of evaluating the cost of life insurance by taking into account the time value of money.
- 37. A provision stating that the insurer cannot dispute the validity of a policy after a specified period.
- 38. A life insurance agent who has passed a series of college-level examinations on insurance and related subjects.
- 41. Supplements your basic personal liability coverage.
- 43. The uncertainties of direct or indirect losses to personal or real property due to fire, storms, or accidents.
- 45. When a person is held responsible for intentional or unintentional actions.
- 47. Prepaid health plans that provide comprehensive health care to members.
- 48. A person designated to receive something, such as life insurance proceeds, from the insured.
- 51. Pays for the cost of day-in, day-out care for long-term illness or disability.
- 54. A document attached to a policy that modifies its coverage.
- 55. The cause of a possible loss.