What happens if I need an air ambulance while traveling?

If a medical professional determines that an air ambulance is necessary, the insurer arranges the transport, which may include a medically equipped aircraft and trained personnel. Without coverage, air ambulances can cost tens of thousands of dollars, so having an adequate policy is crucial for international travelers.

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What does third-party liability cover?

Third-party liability insurance covers the cost of damage or injury you cause to others. This can include bodily injury, property damage, or legal fees if you're found at fault. It ensures that the third party receives compensation without you personally bearing the costs.

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What is the difference between proportional and non-proportional facultative reinsurance?

In proportional facultative reinsurance, risks and premiums are shared in a fixed ratio, while in non-proportional reinsurance, reinsurers cover losses above a specific threshold.

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What is the difference between civil law and criminal law?

Civil law deals with disputes between individuals or entities, such as contract breaches, property disputes, and personal injury cases, usually resulting in compensation. Criminal law involves offenses against the state or public, such as theft, fraud, or assault, leading to penalties like fines, imprisonment, or probation if found guilty.

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Who can have insurable interest in an insurance policy?

Individuals, businesses, or entities with a direct financial interest in the subject of the insurance (e.g., property, life, or health) can have insurable interest.

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What should I do if my long-term disability claim is denied?

You can appeal the denial by submitting additional medical evidence and working with an attorney if necessary.

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Can I use public health insurance anywhere in the country?

In most cases, yes. However, some programs may have networks of approved providers. Certain emergency services may be covered nationwide, but non-emergency treatments might require approval if sought outside your home state or region.

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What are the different types of liability limits in insurance?

Common types include per-occurrence limits (for each claim), aggregate limits (total coverage for all claims), and split limits (separate maximums for different claim categories).

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