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catastrophic - severe risk with potential for major loss of life and/or propertycritical - severe riskmarginal - minor risknegligible - improbable and little chance for loss or injury
They will need family counseling to deal with the loss.
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Aggregate Insurance insurers your total annual cost or exposure to self insuring your health insurance. Example if the total annual aggregate is 1 million dollars that means you as the risk taker will not payout more than 1 million dollars for the total cost of all your employees costs. Specific Stop Loss insurance is where it insurers the employer risk taker from total claims one one employee or their dependents. Example you could have a specific stop loss deductible of $100,000 which means if you have you have an employee or its dependent have a total health care costs exceed the $100,000 the insurer will reimburse you. If I had to chose one I would buy a specific stop loss over and aggregate, since it is the catastrophic unpredictable claim that an risk bearing entity cannot budget for. William Dyer hcpnational.com
A catastrophic bleed refers to a severe and uncontrolled loss of blood from the body, often resulting from a major trauma, injury, or medical condition. It can be life-threatening if not promptly treated with appropriate medical intervention.
no, if you are loosing oil you have a leak.
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Natural hazards are events or phenomena that have the potential to cause harm to people, property, and the environment, such as earthquakes, hurricanes, and floods. When these hazards escalate and result in significant damage, loss of life, or disruption to communities, they are considered catastrophic events. Essentially, catastrophic events are extreme manifestations of natural hazards.
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