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While political risk insurance policies are sometimes manuscripted for specific situations, the major political risk insurers have standard forms for the coverages that they issue.
Pet Insurance pays the veterinary costs if one's pet becomes ill or is injured in
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The name national insurance was adopted as an expression of the government's aspiration that the system should be qualitatively different from conventional general taxation such as income tax.
The proposed differences that were enacted, or aspired to, included:
the revenue was expected to roughly equate to current spending on contributory benefits
no means testing of benefits - the amount of benefit paid in respect of any claim by a claimant was the same whether the claimant was rich or poor, depending only on the completeness of the claimant's contribution record
a cap on the system's scope for redistribution - above a certain level of earnings or profits no extra contributions were payable
the payment of a contribution by an employer for each employee comparable to that paid by the employee
Initially, the most important contributory benefits were the State Retirement Pension and Unemployment Benefit.
With the introduction of employer payroll tax deduction (Pay-As-You-Earn or PAYE), employees' National Insurance contributions were collected along with income tax. The type and amount of health care costs that will be covered by the health plan are specified in
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