A sudden, unexpected and unintended event.

An additional cash benefit to be paid to the insured person or his beneficiaries (usually family members) if an accident causes either the death of the insured or to lose body parts.

Excessive and self-damaging use of drugs and alcohol, leading to addiction or dependence, including serious physical and mental damage, or death.

The items or services covered under an insurance plan.

The ratio (%) of splitting a bill between the insurance company and you. 80% for the first $5,000 means the insurance company will pay $4,000 and you are responsible for the remaining $1,000.

The fee you pay for certain medical services. For example, you may pay $30 to fill a prescription and the health plan covers the balance of the charges.

The health insurance plan allows you to use any qualified medical service provider, but offers you to save money by using the PPO network the insurance plan is affiliated with. You will usually save m [..]

The dollar amount of covered expenses you are responsible to pay the physician or hospital before the policy will pay any benefits. Deductible per event means you are responsible to pay the deductible [..]

The person's immediate family members: spouse (wife or husband) and children.

The date specified on your certificate of insurance as the beginning of coverage.