What services are typically covered under public health insurance?

Coverage varies by country and program but often includes hospital stays, doctor visits, emergency care, maternity services, prescription drugs, mental health services, and preventive care such as vaccinations and screenings. Some programs may have limitations on dental, vision, or specialized treatments.

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Is there a penalty for reinstating a lapsed policy?

Reinstatement may require payment of overdue premiums with interest and may involve medical underwriting. While there are no direct penalties, reinstating a policy is often more expensive than maintaining continuous coverage.

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How are chatbots and virtual assistants improving insurance services?

AI-powered chatbots provide instant customer support, guide users through claims, answer policy questions, and improve engagement through 24/7 availability.

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What are the types of reinsurance?

The two main types of reinsurance are treaty and facultative. Treaty reinsurance covers a portfolio of policies, while facultative reinsurance applies to individual risks. Other forms include proportional and non-proportional reinsurance, excess-of-loss reinsurance, and catastrophe reinsurance.

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What happens if a ransomware attack is linked to an insider threat?

Policies may cover insider threats if they are unintentional, but deliberate employee involvement in ransomware attacks may lead to claim denial or legal action.

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Do I need a primary care physician (PCP) with a PPO plan?

No, PPO plans generally do not require you to have a primary care physician (PCP), unlike HMO plans that typically require one.

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How does treaty reinsurance work?

Treaty reinsurance is a contractual agreement where the reinsurer agrees to cover a specific category of risks from the insurer. The insurer cedes a portion of all eligible risks within the treaty’s scope, and in return, the reinsurer shares premiums and claims payments as specified in the agreement.

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How does claim adjustment differ for natural disaster claims?

Catastrophe claims often involve specialized adjusters, government aid coordination, high claim volumes, and extended processing times due to widespread damage and complex assessment needs.

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