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Coverage against financial loss, such as from illness or injury, procured by contract from a company or agency that provides such protection.
[Fr., fr. enseurer, to make certain, fr. L. securus, safe, free from care]


Vox populi A contractual relationship when one party–an insurance company or underwriter, in consideration of a fixed sum–a premium, agrees to pay on behalf another–an insured, or policyholder for covered losses, up to the limits purchased, caused by designated contingencies listed in the policy. See Adoption insurance, Cancer insurance, Catastrophic health insurance, Co-insurance, Comprehensive major medical insurance, Disability insurance, Group insurance, Hospitalization insurance, Indemnity insurance, Major medical insurance, Medical expense insurance, Medicare supplement insurance, National health insurance, Nationalized health insurance, Noncancellable insurance, Personal insurance, Reinsurance, Self-insurance, Workers compensation insurance.


A contractual arrangement whereby one party agrees to indemnify the other against financial or other specified loss during a stated period in the future.


Coverage against financial loss procured by contract from a company that provides such protection.


n a contract, or policy, whereby, for a stipulated consideration, or premium, one party (the insurer or underwriter) promises to compensate the other (the insured or assured) for loss on a specified subject (insurable interest) by specified perils or risks.
insurance benefits,
n the contractual payout agreed to by the carrier for the policy holder.
insurance carriers, the organizations that for a contractual fee underwrite the payment of losses or costs incurred by the policy holder within the conditions of the policy.
insurance, group,
n the type that covers a group of persons, usually employees of a single employer or members of a union local, under one contract for the benefit of the members of the group.
insurance, guaranteed renewable,
n a policy that is renewable at the option of the insured until a stated time, such as the seventieth birthday of the insured. See also noncancellable insurance.
insurance, health,
n the type that provides financial return when the dental professional is unable to practice because of prolonged illness.
insurance, liability,
n insurance protecting the dental professional from financial loss resulting from liability suits.
insurance, life,
n a protective contract providing for compensation to the beneficiaries of the insured.
insurance, malpractice,
n in dentistry, insurance covering accidents or catastrophes that may occur during the performance of professional duties.
insurance, retirement,
n a life insurance that carries, as an additional benefit, payments to the insured when he or she reaches a specific age.


animals may be insured for loss of production, or for loss of life. Before insured animals are euthanatized or submitted to surgery or a course of medical treatment it is important that the insurer be consulted to ensure that the contract is not breached and that his or her equity in the asset is not put at unnecessary risk.

Patient discussion about insurance

Q. what is public health insurance

A. Public health insurance programs in the U.S. provide the primary source of health expenses coverage for most seniors and for low-income children and families who meet certain eligibility requirements. The primary public programs are Medicare, a federal social insurance program for seniors and certain disabled individuals and Medicaid, funded jointly by the federal government and states but administered at the state level, which covers certain very low income children and their families. In 2006, there were 47 million people in the United States (16% of the population) who were without health insurance for at least part of that year.

Q. I need help getting health insurance is it expensive?

A. I am currently looking for insurance too. Do have you applied for public health insurance?


A. Yes, it'll you cost you money, and not a negligible sum, but that's not necessarily means it'll be expensive - the alternative may eventually be much more expensive. We can never know what will happen tomorrow- if something will happen to you or your family (e.g. car accident, cancer or even relatively simple thing as appendicitis), the cost of the unavoidable medical treatment in this case will be much higher than the insurance premium.

Here ( you can find an official governmental guide to choosing health insurance.

More discussions about insurance
References in classic literature ?
Certainly not; but if you observe, people always live for ever when there is an annuity to be paid them; and she is very stout and healthy, and hardly forty.
To explain the problematic existence of the chevalier, the historian, whom Truth, that cruel wanton, grasps by the throat, is compelled to say that after the "glorious" sad days of July, Alencon discovered that the chevalier's nightly winnings amounted to about one hundred and fifty francs every three months; and that the clever old nobleman had had the pluck to send to himself his annuity in order not to appear in the eyes of a community, which loves the main chance, to be entirely without resources.
He had reserved from his annuity his family papers, his library, composed of five thousand volumes, and his famous breviary.
every hatom of his worldly goods, except just a trifle, by way of remembrance, to his nephew down in -shire, and an annuity to his wife.
The stipend arising hence would hardly have indulged the schoolmaster in the luxuries of life, had he not added to this office those of clerk and barber, and had not Mr Allworthy added to the whole an annuity of ten pounds, which the poor man received every Christmas, and with which he was enabled to cheer his heart during that sacred festival.
Rawdon the next week, and had lent Rawdon Crawley six hundred pounds upon annuity before six months were over.
It was about that time when I came to live in these chambers (once your grandfather's, and bequeathed by that extremely respectable person to me), and commenced to live upon an inconsiderable annuity and my past reputation.
The calculations of various life assurance and annuity offices, among other figures which cannot go wrong, have established the fact.
It then transpired that the commissary had so far stolen a march on Mrs General as to have bought himself an annuity some years before his marriage, and to have reserved that circumstance in mentioning, at the period of his proposal, that his income was derived from the interest of his money.
He talked of miseries which his wife had brought upon him; of the rebellious disposition, vice, malice, and premature bad passions of you his only son, who had been trained to hate him; and left you, and your mother, each an annuity of eight hundred pounds.
And his trust is not a very difficult one, for it is only an annuity of a hundred and fifteen pounds.
As it is, you have fallen into an annuity of one hundred and fifty pounds a year; but I think I may congratulate you even upon that.