| insurance claim | demand for payment in accordance with an insurance policy |
| social insurance | government provision for unemployed, injured, or aged people, financed by contributions from employers and employees as well as by government revenue |
| national insurance | social insurance program in Britain, based on contributions from employers and employees, provides payments to unemployed and sick and retired people as well as medical services |
| old-age insurance | insurance paid to the elderly |
| survivors insurance | insurance paid to surviving spouses |
| disability insurance | social insurance for the disabled |
traumatology
accident surgery | the branch of medicine that deals with the surgical repair of injuries and wounds arising from accidents |
policy insurance policy
insurance | written contract or certificate of insurance, you should have read the small print on your policy |
accident
stroke fortuity
chance event | anything that happens suddenly or by chance without an apparent cause, winning the lottery was a happy accident, the pregnancy was a stroke of bad luck, it was due to an accident or fortuity |
| accident | an unfortunate mishap, especially one causing damage or injury |
act of God
force majeure
vis major
inevitable accident
unavoidable casualty | a natural and unavoidable catastrophe that interrupts the expected course of events, he discovered that his house was not insured against acts of God |
fatal accident
casualty | an accident that causes someone to die |
insurance company
insurance firm
insurer
insurance underwriter
underwriter | a financial institution that sells insurance |
Federal Deposit Insurance Corporation
FDIC | a federally sponsored corporation that insures accounts in national banks and other qualified institutions |
insurance broker
insurance agent
general agent underwriter | an agent who sells insurance |
| premium insurance premium | payment for insurance |
coverage
insurance coverage | the total amount and type of insurance carried |
| insurance | promise of reimbursement in the case of loss, paid to people or companies so concerned about hazards that they have made prepayments to an insurance company |
automobile insurance
car insurance | insurance against loss due to theft or traffic accidents |
no fault insurance
no fault automobile insurance | a system of automobile insurance where a party who is injured in an automobile accident recovers damages up to a specific amount against his own insurance company regardless of who was responsible for the accident, the amount of litigation resulting from minor accidents is reduced by no fault insurance |
| business interruption insurance | insurance that provides protection for the loss of profits and continuing fixed expenses resulting from a break in commercial activities due to the occurrence of a peril |
| fire insurance | insurance against loss due to fire |
| group insurance | insurance that is purchased by a group (such as the employees of a company) usually at a reduced rate to individual members of the group |
| hazard insurance | insurance that provides protection against certain risks such as storms or fires |
| health insurance | insurance against loss due to ill health |
hospitalization insurance
hospitalization | insurance that pays all or part of a patient's hospital expense |
| liability insurance | insurance that provides protection from claims arising from injuries or damage to other people or property |
life insurance
life assurance | insurance paid to named beneficiaries when the insured person dies, in England they call life insurance life assurance |
| endowment insurance | life insurance for a specified amount which is payable to the insured person at the expiration of a certain period of time or to a designated beneficiary immediately upon the death of the insured |
| tontine tontine insurance | a form of life insurance whereby on the death or default of a participant his share is distributed to the remaining members |
whole life insurance
ordinary life insurance
straight life insurance | insurance on the life of the insured for a fixed amount at a definite premium that is paid each year in the same amount during the entire lifetime of the insured |
| malpractice insurance | insurance purchased by physicians and hospitals to cover the cost of being sued for malpractice, obstetricians have to pay high rates for malpractice insurance |
| self-insurance | insuring yourself by setting aside money to cover possible losses rather than by purchasing an insurance policy |
| term insurance | lowost insurance that is valid only for a stated period of time and has no cash surrender value or loan value, term insurance is most often associated with life insurance policies |
stroke
apoplexy
cerebrovascular accident
CVA | a sudden loss of consciousness resulting when the rupture or occlusion of a blood vessel leads to oxygen lack in the brain |
| indemnity insurance | protection against future loss |
| accident-prone | having more than the average number of accidents |