Health Insurance Rates By State 2026

Casualty insurance is the insurance under a health insurance policy where sudden death or demise of a person, suicidal attempts or if the person with a disability due to any accident been covered under this insurance this may be varied with each and every company.

Liability insurance is a type of insurance that offers protection to businesses and individuals from risk that they may be held legally or sued for negligence, malpractice or injury. Liability insurance protects the insured customers from legal payouts and costs for which the policyholder is deemed responsible. Liability is the responsibility of the insured customer for the damages caused to the third party due to the negligence, malpractice or injury.

Keyman insurance is defined as an insurance policy where the customer, as well as the insured person both roles, are maintained as an employer.

Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also a vaccination for newborn baby for a specified period.

Insurance and Assurance are the most common terms used in the insurance terminology. Insurance guarantees financial coverage in case of loss due to an insured peril or an uncertain event such as accident, hospitalization, fire damage, etc. The uncertain event may or may not happen during the policy period. This uncertainty is covered under the term Insurance. Assurance guarantees financial coverage in case of loss due to a certain event; such as death. The event is certain to happen at any time during the policy period where the coverage is applicable. The certainty of happening is covered under the term Assurance.