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insurance

thumb|upright=1.5|alt=The Norwich Union, Fire Insurance Company. Assets over 8 million dollars, losses paid over 100 million dollars.|An advertisement for a fire insurance company Norwich Union, showing the amount of [[assets in coverage and paid insurance (1910)]]

AI overview

Insurance is a financial arrangement where a company agrees to compensate you for certain losses or damages in exchange for regular payments called premiums. It matters because it helps protect people and businesses from the financial hardship that can result from unexpected events like fires or other accidents.

AI-generated from the Wikipedia summary — may contain errors.

Research

331,938 papers

Long term care insurance with state-dependent preferences.Health economics · 2021De Donder P, Leroux MLDOI: 10.1002/hec.4423
Ethics of patients losing insurance coverage due to hospital-insurer contract disagreements.Clinics in dermatology · 2024Rao I, Zhou AE, Jain NP et al.DOI: 10.1016/j.clindermatol.2024.05.007
Anti-Selection & Genetic Testing in Insurance: An Interdisciplinary Perspective.The Journal of law, medicine & ethics : a journal of the American Society of Law, Medicine & Ethics · 2022Golinghorst D, de Paor A, Joly Y et al.DOI: 10.1017/jme.2022.18
Increasing Insurance Choices In The Affordable Care Act Marketplaces, 2018-21.Health affairs (Project Hope) · 2021Anderson DM, Griffith KNDOI: 10.1377/hlthaff.2020.02058
Risk Adjustment in Health Insurance Markets: Do Not Overlook the "Real" Healthy.Medical care · 2024van Kleef RC, van Vliet RCJA, Oskam MDOI: 10.1097/MLR.0000000000001955
Group insurance.Modern healthcare · 1994de Lafuente D
How is enrollees' trust in health insurers associated with choosing health insurance?PloS one · 2023van der Hulst FJP, Brabers AEM, de Jong JDDOI: 10.1371/journal.pone.0292964
The ACA's Effect On The Individual Insurance Market.Health affairs (Project Hope) · 2020Corlette S, Blumberg LJ, Lucia KDOI: 10.1377/hlthaff.2019.01363

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Wikidata facts

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Commons category: Insurance
hashtag: insurance

Sources (7)

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~84 min read

Article

56 sections

Contents

History
Early methods
Modern methods
Principles
Insurability
Legal
Indemnification
Exclusions
Social effects
Methods of insurance
Insurers' business model
Insurance premium
Claims
Marketing
Types
Vehicle insurance
Gap insurance
Health insurance
Income protection insurance
Casualty insurance
Life insurance
Burial insurance
Property
Liability
Credit
Cyber attack insurance
Other types
Insurance financing vehicles
Closed community and governmental self-insurance
Insurance companies
Mutual versus proprietary
Reinsurance companies
Captive insurance companies
Other forms
Admitted versus non-admitted
Insurance consultants
Financial stability and rating
Across the world
Regulatory differences
Insurance practices and controversies
Does not reduce the risk
Moral hazard
Complexity of insurance policy contracts
Limited consumer benefits
Redlining
Insurance patents
Insurance on demand
Insurance industry and rent-seeking
Religious concerns
See also
Notes
References
Citations
Sources
Further reading
External links

Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss.