For the vast majority of insurance policies, the only page that is highly tailored to the insured`s needs is the declaration page. All other pages are standard forms that, if necessary, refer to terms defined in the returns. Certain types of insurance, such as .B. However, media insurance is written in the form of handwritten policies, written either from new bases or from a mixture of standard and non-standard forms.   By analogy, instruction notes that are not on standard forms or whose language is adapted to the particular circumstances of the insured are called manuscript notes. As you pay a co-payment during your visit to the doctor, your co-payment will be deducted first: 250-20 USD – $230. Your deductible is :$230 to $200 – $30. Then your co-insurance. You are responsible for 20% of $30 or $6. Your insurance company is responsible for 80% of the $30 or $24. Therefore, your overall liability is $20- $200- $6 or €226. The insurance policy or contract is a contract by which the insurer promises to pay benefits to the insured or, on his behalf, to a third party if certain events occur. Subject to the «Fortuity» principle, the event must be uncertain.
The uncertainty may be either when the event will occur (for example. B in life insurance, the date of the insured`s death is uncertain) or whether it will occur (for example. B in fire insurance, whether or not there is a fire).  Insurance contracts have traditionally been written on the basis of each type of risk (for which risks have been very narrowly defined) and a separate premium has been calculated and charged for each price based on risk. Only the specific risks expressly described or «considered» in the directive were covered; This is why these guidelines are now referred to as «individual» or «schedule» guidelines.  This system of «designated hazards» or «specific dangers» proved untenable in the context of the Second Industrial Revolution, as a typical large conglomerate could have dozens of types of risks that can be insured against. For example, in 1926, a spokesperson for the insurance industry indicated that a bakery had to purchase a separate policy for each of the following risks: manufacturing operations, elevators, teamsters, product liability, contractual liability (for a track that connects the bakery to a nearby railway), domestic liability (for a retail store) and the responsibility of protecting owners (negligence of contractors responsible for construction modifications).  Insurance contracts meet specific needs and therefore have many characteristics that are not found in many other types of contracts. As insurance policies are standard forms, they have a language that is similar in a wide range of types of insurance.  Health insurance protects you from financial losses due to illness or injury.
In exchange for your payments (known as premiums), your insurance company promises to pay for some or all of your health services. In the United States, in-kind and accident insurers generally use similar, if not identical, language in their standard insurance, designed by advisory bodies such as the Insurance Services Office and the American Association of Insurance Services.  This reduces the regulatory burden on insurers, since forms of insurance must be approved by the states; it also makes it easier for consumers to compare policies, albeit at the expense of consumer choice.  In addition, when the political forms of the courts are reviewed, interpretations become more predictable when the courts develop the interpretation of the same clauses in the same forms of insurance and not the policies of different insurers.  The insurance policy is a contract (usually a standard form contract) between the insurer and the policyholder, which determines the fees that the insurer must pay legally.