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Answered 2012-07-19 15:12:16

Since group health insurance plans usually cover say 500 heads at a time, the Insurance Company has the option to offer lower premiums for economy,than charging for an individual policy. Whether group health insurance plans have better coverage is doubtful because claims are entertained on individual basis and are to follow guidelines applicable to all.

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Industrial life insurance is insurance sold to individuals that cannot afford large policies, usually in amounts such as $1000. The premiums are collected weekly usually at the policyowner

it covers profeccionals against negligence during the preformance of their job. Doctors are a prime example, called malpractice coverage. Premiums would depend on type coverage and amount coverage.

No, there is usually some stipulations to a certificate of insurance - such as the premiums must be paid.

Usually a level term life insurance policy would be used for mortgage loan life insurance protection. Level term offers coverage for a duration of 10, 15, 20 or 30 years with a level premium and level amount of coverage provided by the policy for the entire duration of coverage. Another option is decreasing term life insurance where the premiums remain level but the amount of life insurance coverage decreases each year throughout the life of the term insurance policy.

You can pay your insurance premiums in many ways. Usually, you can pay it with a company plan (if you work), through cash, or credit card.

A change in the amount of life insurance provided by your life insurance policy is determined by the coverage you have. A permanent life insurance policy usually provides the same amount of life insurance protection for your entire lifetime, as long as you pay the premiums. A term life insurance policy lasts for a temporary period of time. Usually, term life policies are issued for 1-30 years. A 10 year term life insurance policy provides protection for 10 years. if you outlive your policy term, the coverage expires. A level term life insurance policy provides coverage and premiums that remain the same each year for the entire term of your policy. A decreasing term life insurance policy provides premiums that remain the same each year, but the amount of life insurance decreases each year until the end of your policy term. There are other term life insurance plans that may provide less coverage after a certain age, or your policy term expires after a certain age.

"Business interruption insurance can be purchased by itself, but for optimal coverage, it is usually used to supplement Property insurance or other types of coverage."

An auto insurance calculator is usually provided by a single auto insurance company directly to drivers. It can be a great tool for studying coverage and for finding new ways to decrease the overall cost of any car insurance policy when used correctly by a driver. A good auto insurance calculator will accomplish several things for a driver. It will help a driver to see how a certain insurer prices different aspects of coverage, including comprehensive, liability, and collision programs, and it will help a driver to find ways to decrease his or her overall coverage premiums by pointing out the most expensive areas of coverage. For instance, if you use an auto insurance calculator and discover that you're paying a lot for personal injury protection, you might decide to ask an insurance provider about discounts for this type of coverage or you may decide to adjust your limits. Try to use an insurance calculator every few months to keep your quotes as low as possible. This is a great way to stay on top of your insurance policy and your premiums.

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usually you only need full coverage if you are financing or leasing your vehicle.

Services that are usually included with a childcare insurance program include field trip coverage, auto coverage, medical coverage and more. Actual services provided may vary depending on your provider and location.

Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.

This is determined by the employer who is paying the premiums for coverage. If there is a local domestic partnership registry available, then the requirement is usually a certificate of registration of domestic partnership. Otherwise, the requirement can be merely a notarized affidavit of domestic partnership in a format prescribed by the employer. Assuming the policy that has been purchased by the employer offers domestic partner coverage, then the insurance company will provide coverage to anyone that the employer says is the worker's domestic partner. The insurance company will then charge the employer more for that worker's coverage.

Not usually. Most companies will add coverage for the insurance which is usually higher than you will pay at most companies. This is called forced place insurance.

Your medical insurance would pay for the birth of a child. This is assuming that you have maternity coverage on your policy. Most group insurance policies that supply coverage to their employees do provide this coverage as any other illness. Individual insurance policies usually do not have this coverage due to the cost. There are also clauses that make you have maternity coverage on your policy for various periods of time depending on the policy.

The kind of coverage that would be necessary is called comprehensive coverage. It usually sold in conjunction with collision coverage.

Only if you have bought the extra coverage to have a rental. "Full coverage" usually just means you bought liability, comprehensive, and collision insurance.

major medical insurance providers usually offer a broader range of coverage in which most other insurance companies don't. Making it easier to choose the right coverage for you or your family

It is usually the at fault parties insurance that pays. There may also be coverage in the deceased parties insurance.

Usually it does, you would have to check to see if you have a broad coverage policy or not.

Honestly it owuld depend on the business and on the individual. Some people are at a higher risk depending on what they drive, their age, and any tickets they may have had. Certain businesses are more at risk depending on if they have many drivers and what they do exactly. Auto insurance is generally cheaper for individuals. When a business holds auto insurance they are responsibile for greater liability coverage. They also must usually insure more drivers and have more coverage for uninsured drivers.

It usually doesn't unless you pay the premiums. In most cases you can do something called COBRA which extends the insurance for up to six months, as long as you pay the premiums. It is rather expensive.

Construed coverage is a rider added on to credit insurance policies to allow the policy holder to ship for a specified number of days - usually 30.

Not normally, but you may be able to specify them for limited coverage.

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