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 Approximately 85% of Americans have health insurance. Government Medicare programs help to insure the elderly and end stage renal disease patients. Also there is illness insurence, for example cancer Insurance. Dental insurance is also widely introduced. It was designed to pay the costs associated with dental care. Long-term care is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. Medicaid is a government program that will pay for certain health services and nursing home care for older people. Insured events that may be covered include: death (look as burial insurance also known as "preneed" or funeral insurance), disability due to ill health or permanent disability and accidental death. Life insurance may be divided into two basic classes – temporary and permanent. The several basic types of permanent insurance are whole life, universal life, variable universal life, limited-pay and endowment. Pensions are a form of life assurance. When the person retires, the pension will become in payment, and at some stage the pensioner will buy an annuity contract, which will guarantee a certain pay-out each month until death. |
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 Vehicle insurance (or automobile insurance, car insurance, motor insurance) is insurance which consumers can purchase for the cars, trucks, vans, buses and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents. Motorcycles and bikes are also vehicle and can be insured against theft, fire damage, accident damage and other. Boats and yachts can be insured. Home or homeowners insurance, is an insurance policy that combines various personal insurance protections which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), loss of other property of the homeowner, as well as liability insurance for accidents that may happen at the home. Typically, claims due to earthquakes, floods, "Acts of God" (act of nature), or war are excluded. Home insurance can include renters insurance or renter's coverage. |
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