FAQ

Health insurance is an agreement between you and an insurance company. You pay a regular fee (called a premium), and in return, the company helps cover your medical costs such as doctor visits, hospital stays, medicines, or surgeries. 

It depends on the plan, but most policies cover doctor visits, hospital care, emergency services, prescribed medicines, surgeries, and sometimes preventive care like vaccines or health checkups 

Premium: the regular amount you pay (monthly or yearly) to keep your insurance active.

Deductible: the amount you must pay yourself before the insurance starts covering costs.

Copayment (copay): a small fixed fee you pay when you visit a doctor or buy medicine. 

Think about your health needs: how often you see doctors, if you take regular medicines, or if you have ongoing conditions. Also consider your budget. The right plan balances coverage (what it includes) and affordability (what you pay). 

• HMO (Health Maintenance Organization): you must choose a primary doctor and usually stay within a specific network of providers.
• PPO (Preferred Provider Organization): more flexibility, you can see any doctor, but it’s cheaper if you use doctors in the plan’s network.

(Note: these terms are common in some countries; other places may use different plan types.) 

Yes. You may:

• buy an individual plan directly from an insurance company,
• join a family plan (through a spouse or parent),
• or in some countries, qualify for government-supported programs for unemployed or low-income people. 

Public insurance is provided or supported by the government (sometimes free or low-cost).

Private insurance is bought from a private company and usually gives more choices but costs more. 

They may consider your age, location, medical history, family size, and lifestyle habits (like smoking). Each company and country can have different rules. 

In many countries, yes — insurers cannot refuse you because of a past illness. But in some places, there may be waiting periods before coverage starts for those conditions. Always check the policy details.  

If you don’t pay your premium on time, your coverage may stop after a short grace period. That means you would have to pay all medical costs yourself until your insurance is restarted. 

It depends on the plan. Some allow you to choose any doctor, while others require you to use doctors in their network. Using doctors outside the network may cost more. 

Many plans cover preventive care like vaccinations, screenings for diseases, and regular checkups, often at no extra cost. This helps catch health problems early. 

In many modern plans, yes. Coverage may include therapy sessions, psychiatric consultations, and medicines for mental health. But the level of coverage depends on your country and insurance provider. 

You should ask for a written explanation. If you believe it’s a mistake, you can file an appeal or complaint. In some countries, there are independent organizations or regulators that can review your case. 

Because medical care can be very expensive. Even a simple emergency can cost more than most people can pay at once. Insurance protects you financially and ensures you can access treatment when you need it. 

Life insurance is a contract between you and an insurance company. You pay regular fees (called premiums), and in return, the company promises to pay a set amount of money (a death benefit) to your family or chosen beneficiaries when you die. 

It gives financial protection to your loved ones. If you die unexpectedly, life insurance can help cover funeral costs, debts, children’s education, daily living expenses, or any other needs your family may have. 

Anyone who has people depending on them financially. Parents, breadwinners, homeowners with a mortgage, or even business owners may need life insurance to protect their family or partners. 

Term Life Insurance: covers you for a specific period (e.g., 10, 20, or 30 years).

Whole Life Insurance: covers you for your entire life and builds cash value over time.

Universal Life Insurance: flexible coverage with investment or savings features. 

Term Life: cheaper, only provides protection for a set time. If you live past the term, coverage ends.

Whole Life: more expensive but lasts your entire life and can also serve as an investment because it builds cash value. 

It depends on your family’s needs, debts, income, and future plans. A common rule is to buy coverage worth 10–15 times your annual income, but it’s best to calculate based on your personal situation. 

If you stop paying, your policy may lapse (end), and your family will not receive any benefit if you die. Some whole life or universal life policies may use the built-up cash value to cover unpaid premiums for a while. 

The cost (premium) depends on age, health, lifestyle, coverage amount, and type of policy. Younger and healthier people usually pay much less than older people or those with health risks.  

Yes, but the cost may be higher. Some companies may ask for a medical exam. Others offer “no exam” or “guaranteed issue” policies, but those usually come with higher premiums and lower coverage. 

Yes. Many people combine policies, such as having one term policy for large debts (like a mortgage) and another whole life policy for lifelong coverage. 

Mostly yes, but some policies have living benefits. For example, some plans pay out if you are diagnosed with a terminal illness, or allow you to borrow against the policy’s cash value while you’re alive. 

Life insurance is a contract between you and an insurance company. You pay regular fees (called premiums), and in return, the company promises to pay a set amount of money (a death benefit) to your family or chosen beneficiaries when you die. 

Yes. Many people combine policies, such as having one term policy for large debts (like a mortgage) and another whole life policy for lifelong coverage. 

In most countries, life insurance payouts to beneficiaries are tax-free. But if the policy has an investment component (like whole or universal life), any earnings may be taxed depending on local laws. 

The earlier, the better. Premiums are lowest when you are young and healthy. Waiting until you are older or sick usually means paying much higher costs or being denied coverage. 

Car insurance is a contract between you and an insurance company. You pay regular fees (premiums), and in return, the company helps pay for costs if your car is damaged, stolen, or if you cause an accident that injures others or damages property. 

Because accidents can be very expensive. Insurance protects you from paying all costs yourself, such as repairs, medical bills, or damage to other people’s property. In many countries, it’s also required by law. 

Common types include:

• Liability insurance: pays for damage or injury you cause to others.
• Collision insurance: pays for repairs to your own car after an accident.
• Comprehensive insurance: covers theft, fire, natural disasters, or damage not caused by a crash.
• Personal injury protection / Medical cover: helps pay medical costs for you and passengers. 

Car insurance is a contract between you and an insurance company. You pay regular fees (premiums), and in return, the company helps pay for costs if your car is damaged, stolen, or if you cause an accident that injures others or damages property. 

Insurance companies look at factors like your age, driving history, type of car, where you live, how often you drive, and coverage amount. Safe drivers usually pay less, while frequent accidents or traffic violations raise the cost. 

A deductible is the amount of money you pay yourself before the insurance company pays the rest. For example, if your deductible is $500 and repair costs $2,000, you pay $500 and the insurer pays $1,500. 

In many countries, driving without insurance is illegal. You may face fines, lose your license, or even jail time. And if you cause an accident, you must pay all costs yourself. 

It depends on your policy. Some policies cover anyone you allow to drive your car; others only cover named drivers. Always check your plan to be sure. 

Some policies include coverage for rental cars, but not all. If not, you may need to buy temporary coverage from the rental company. 

Drive safely and avoid accidents.

Choose a higher deductible (if you can afford it).

Compare quotes from different companies(you can compare easely reading our blogs ).

Install safety devices (alarms, anti-theft).

Bundle insurance (car + home) with the same company. 

Car insurance is a contract between you and an insurance company. You pay regular fees (premiums), and in return, the company helps pay for costs if your car is damaged, stolen, or if you cause an accident that injures others or damages property. 

Yes, but only if you have comprehensive coverage. Basic liability insurance does not cover theft. 

Collision: covers your car when it’s damaged in an accident with another vehicle or object.

Comprehensive: covers non-accident events like theft, fire, floods, storms, or vandalism. 

In most cases, car insurance follows the car, not the driver. That means your insurance may cover the damage even if someone else was driving. But this can raise your rates later. 

Because insurance companies see you as a higher risk once you’ve been in an accident. Even if it wasn’t your fault in some cases, your premium may go up at renewal. 

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