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An operational definition of insurance is that it is
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that protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium.
In recent years this kind of operational definition proved inadequate as a result of contracts that had the form but not the substance of insurance. Modern tablet coatings are polymer and polysaccharide based, with plasticizers and pigments included. Other factors can also affect demand; for example an increase in income will shift the demand curve outward relative to the origin, as in the figure.
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Individual disability insurance policies
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Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as medical expenses, lost of personal belongings, travel delay, personal liabilities, etc.
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Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expense incurred because of a job-related injury.
Insurance companies may be classified as
Life insurance companies, which sell life insurance, annuities and pensions products.
Non-life or general insurance companies, which sell other types of insurance.
General insurance companies can be further divided into these sub categories.
Standard Lines
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