The Health Advantage coverage policy is a database of policies and/or coverage criteria that is developed by the medical director(s) and used by Health Advantage to make benefit determinations. The coverage policy is available to members and health-care providers at www.HealthAdvantage-hmo.com.

Medical payments, also known as med pay, is coverage you can also elect on your policy that will make up the 20% in medical bills that your personal injury protection does not cover. Each insurance company offers different coverage amounts but most typically it is $2,000.00.

Yes. When a hearing is scheduled, the company is required to continue your coverage from the date of your hearing request until the end of the hearing process.

This varies from state to state. In Illinois, sole proprietors and partners are not included for workers compensation coverage unless they choose to be covered by signing an inclusion form. If you elect this coverage, there is a flat charge for sole proprietors regardless of the actual payroll. The corporate officers are automatically included for coverage and have to sign an exclusion form to be removed from coverage and to remove their payroll.

A Foremost Classic ACV policy is similar to an HO-3 policy, but with an ACV settlement for the dwelling and other structures, as well as a $1,000 limit on theft. The policy provides broad form named peril coverage on personal property, with an actual cash value loss settlement. There is an optional endorsement for replacement cost settlement on personal property.

A tail insurance policy is an endorsement to the current policy that extends the reporting period of a claim after a claims-made policy has expired or has been canceled. Since most healthcare providers carry claims made insurance policies, tail insurance provides important protection against claims that could be made months or even years after care was provided to a patient. HU provides free tail coverage to retiring owner who have been a policyholder for at least five consecutive years.

You are properly covered if your policy's value is enough for you to rebuild your house if you had a total loss. Since the replacement cost of your house can vary over time because of inflation, the costs of labor and building materials, and renovations you may make to your home, you should review your coverage every few years. Your Liberty Mutual representative can help with this review. Yes. Your coverage limit for personal property is usually 50% of your dwelling coverage amount.

A Mediclaim policy reimburses hospitalisation expenses for the treatment of sickness or accident occurring during the period of insurance.

ANSWER: The coverage is ALL RISK* and the deductible is only $15.00 which is much lower than most homeowner policy deductibles of $500, $1000 or more. Also, a claim for repairs or replacement of your instrument becomes a claim on your homeowner history. A $15 deductible applies. Losses caused by wear and tear, gradual deterioration, corrosion, msterious disappearance, mechanical breakdown, professional use and theft from an unlocked vehicle are not covered.

Kentucky law specifies that 'Motorized' vehicles 'Registered' in the Commonwealth must be covered by Liability insurance. However, it is doubtful that all insurance companies know which vehicles they insure in Kentucky are defined in our system as 'Motorized' and are 'Registered'. Therefore, it is recommended that 'if in doubt' send it in; our Insurance system will delete or ignore non-applicable policies.

Your insurance policy gives the most complete and accurate description of what is covered, for what amounts and under what conditions. Coverage varies by type of policy, by insurer, by state, and by the coverage selections you made when you purchased the policy, so it is important to understand your policy at the time of purchase. The DCU Insurance staff would be happy to answer your questions about coverages.

We add new companies on a monthly basis, and are currently working our way down the market in terms of Market Capitalisation. We have made exceptions to the Market Cap rule to include companies that have significant products in late stages of development.

Very often you do. Once your application, initial premium, and completed medical exam have been sent to the insurance company, you may be eligible for temporary conditional insurance while your policy is being approved. Terms and conditions vary by company and state, but are explained in detail on your insurance application. Your SelectQuote personal representative will explain how it works.

The dwelling and other structures on the premises are protected on an "all risks" basis up to the policy limits. "All risks" means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the dwelling is set by the policyowner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the dwelling.

If you read all of these FAQ's and read the consumer disclosures, you will have a full understanding of the specifics of the potential policy coverage. Policy coverage cannot be discussed with you in detail until after you have submitted a complete application. Click here to view sample policies.

Malpractice is one of the risks covered by our Professional Liability Insurance.If you need malpractice insurance our coverage is what you need.