Health Insurance
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Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses among a targeted group, an insurer can develop a routine
finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization
such as a government agency, private business, or not-for-profit entity.
Personal accident supplements are a form of injury insurance that can be used with any licensed doctor, emergency room, clinic, or urgent care facility.Supplements are not insurance but a indemnity that pays a predetermined amount which is called the policy face value. The primary purpose of indemnity plans is compensation for a financial loss. That financial loss is the doctor or hospital bill.