Health insurance is designed to protect against loss of income and expenses for medical treatment. There are two broad categories of health insurance policies: policies and disability insurance policies for medical expenses.

Policy of disability insurance may also be called loss of income, loss of time or replacement income. These policies pay benefits to an insured who is disabled and can no longer work to earn a regular income. Payments can be weekly or monthly depending on the policy.

Policies of medical costs are represented by a wide range of very low coverage of comprehensive packages with multiple coverage. Some include both accidents and illnesses, various hospital expenses and other costs related to medical care, such as accidents and illness, hospitalization policies, the political costs of basic medical care and major policies medical expenses.

Each of these policies might cover various combinations of the above and can be paid in a comprehensive sum.Some covers accidents and illness. As you can imagine, these policies are very clear on what is considered an accident.

It is important to understand what is defined as an incident in which the sector of health insurance: an accident is an event that is unforeseen and unintended.

Keep in mind that any discussion of this policy also applies to any type of policy that includes accidental coverage not just accident specific policies.

Annuity in an accident are most often paid in the event of accidental loss of life (also called accidental death), accidental loss of limb or sight (dismemberment), loss of time and / or revenue, costs of hospitalization, surgical and medical expenses, like doctor visits.

Accidental death may also be called “capital”. This type of coverage should not be confused with life insurance. There is a world of difference between the two. Life insurance is typically paid regardless of the cause of death. An accidental benefit shall be paid only if death is from accidental death by natural causes or illness.

The person who receives the death benefit is called the beneficiary. The owner of the police has the right and responsibility to appoint the beneficiaries. Normally, it is a major beneficiary, however, may award a second and even third beneficiary.

The main beneficiary is the person in first line to receive the benefit if the insured dies. The contractor may also appoint a second beneficiary to receive the benefit if the primary beneficiary predeceases the insured. Some policies may include beneficiaries who are third in line after the first two.

There is another important element in terms of policies of accident: an accidental death may not be immediate. A person can die because of an injury months after the occurrence of the accident. Read your policy very carefully, because expect the accidental death benefit will be paid if death occurs within three months following the accident.