An unexpected event that causes injury.

Insurance coverage that pays agreed-on medical expenses up to a relatively low maximum. For example, an insurance maximum may be $50,000 lifetime benefit for each injury or sickness.

The money the insurance company pays the health care provider for medical services to you if you become ill or injured.

A request by you for payment by the insurance company of medical expenses that are covered under the insurance policy. The provider of a medical service will usually file a claim for you.

insurance: You and the insurance company share the cost of medical procedures in a specified proportion. For example: 80 percent (company) and 20 percent (you).

payment: The set or fixed-dollar amount you are required to pay each time a particular medical service is used. A co-payment for services may be $10 per visit.

The conditions for which the insurance company will pay.

The cumulative amount that you must pay annually before benefits will be paid by the insurance company. If the insurance policy indicates a "$250 deductible," the insurance company pays as a [..]

Your spouse and children.

A severe medical condition which may include pain, loss of breathing or consciousness, heart attack, stroke, poisoning, convulsions or severe bleeding.