保险
保险 is there for us to keep us financially protected from loss, theft, and ailments. 你 can insure all sorts of things, from your automobile to your teeth.
定义
- Premium: The premium is what you pay for selected coverage. Payments can vary, but are generally monthly, yearly, or automatically deducted from your paycheck.
- Deductible: What you need to pay before insurance coverage kicks in after receiving a service.
Types of 保险
Health 保险
It provides financial protection for your health. Coverage will vary by your individual 政策. Dental insurance and vision are often covered under individual policies. 你 can stay covered under your parents’ health insurance plan until you turn 26.
Automobile 保险
There are three types of automobile insurance coverage:
- Liability: Financial restitution for damage you cause to other people and property in the event of a car accident.
- Collision: Financial protection from damage caused by a collision to your vehicle.
- Comprehensive: Financial protection for your car for non-collision related incidents such as theft, natural disasters, and vandalism. (Will vary by 政策)
首页owner’s/ 房东的 保险
Depending on the 政策, homeowner's insurance will generally protect against financial loss from certain natural disasters, theft, and physical damage to the property. 房东的 insurance may protect renters from damage they may cause to the property. 它将 also potentially cover your property inside the apartment.
人寿保险
Assists the designated beneficiary with a payment in the event of the primary 政策 持有人的死.
Disability 保险
Pays out a portion of your regular salary during any period when you may be unable to work due to disability.
Due to the variety of options and coverage available, please consult an insurance professional or the company providing your coverage for more information.
