What Is An Insurance Policy? How To About It? - Insurance Noon (2023)

An insurance policy is a contract between the insurer and policyholder. Insurance determines the claim that the insurer needs to pay legally. In the declaration, the insured takes out insurance for the maximum amount he considers would be at risk during the policy period. In simple words, Insurance is a document of agreement that a person and an insurance company have made.

If you wish to reduce your financial uncertainty and make accidental loss manageable, you can go for an insurance policy. The insurer must pay a small fee known as an insurance premium. If you wish to have an insurance policy but are not familiar with it. Read this article to see the information, types, importance, benefits, etc.

Table of Contents

What is an insurance policy?

An insurance policy is a contract that transfers the risk of financial loss from an individual or business to an insurance company by paying a small amount. A customer pays a monthly fee to the company that protects him from the risk of financial loss. The company collects these amounts from clients and pools that money to pay for losses. As a result, the individual receives financial protection or reimbursement against losses from the insurance company.

The insurance policy covers all the small and big losses, such as damage to the insured’s property or liability for damage to a third party. It also covers the untimely demise of the life insured. If you wish to have insurance, it’s your choice to select a specific type of insurance policy based on your needs and goals. Check out the insurance policy components to firmly understand the most suitable plan for you.

An insurer is the insurance company that agrees to pay the claims. The insured is the person who buys a policy to protect them, their home, property, and other important stuff. The insurance policy describes what sort of claims the insurer agrees to pay and other various responsibilities of both parties (the insurer and the insured).

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How does an insurance policy work?

Insurance works by taking many people’s premiums and pooling them to cover their losses if they experience them. Every insurance company manages by employing actuaries to make careful predictions about how much they need to pay claims each year. By this prediction, they calculate how much money they need to collect from their clients. Every company has different premiums to pay to customers. Premiums vary from customer to customer based on many factors.

In the case of home insurance, every insurance company has its method of calculating the risk of insuring a home. Homes with a higher risk of experiencing loss are more expensive to insure. The insurance company works considering the factors like home’s age, location, type, construction, earthquake risk, local climate patterns, and crime statistics. Based on the calculations, the insurer comes with a price that they require to accept the risk of the individual homes. If the customer agrees with the contract and fee, the insurer issues them their insurance policy. These are the basics of how insurance works.

In insurance, the maximum amount that an insurance company is liable to pay for losses under the policy is the policy limit. It is determined based on the policy term, loss or injury, and other factors. The maximum amount an insurer pays to the nominee for a life insurance policy is a sum assured. Every company’s policy is different, but they usually share the same elements.

Types of insurance

Insurance buffers you from unexpected costs like medical expenses, treatments, or sudden death. It has eight main types. Check below:

  • Life insurance
  • Car insurance
  • Health insurance
  • Umbrella insurance
  • Travel insurance
  • Pet insurance
  • Homeowners insurance
  • Renters insurance

Life insurance

Life insurance comes with many benefits. Even deaths are expensive nowadays. The related costs can set you back from settling an estate to planning the funeral. As a supportive earner, you must be worried about the dependents if you get an accidental or sudden death. A life insurance policy provides you relief from the financial burden placed on your family, such as your spouse or dependants – your children.

In the event of a death, a life insurance policy pays a beneficiary an agreed-upon amount of money to cover the expenses left by the dead. A beneficiary can be anyone named in the policy who receives benefits, such as a spouse.

Car insurance

Do you know driving a car while uninsured is against the law? If not, acknowledge that driving an uninsured vehicle is dangerous because the car and driver are not protected against an accident. Auto insurance covers cars, trucks, motorbikes, and other vehicles intending to protect against physical damage or bodily injuries that may result from driving, whether the accident is reckless or an accident.

Health insurance

Health insurance covers expected and unexpected health care expenses such as medications, treatments, routine check-ups, and serious surgeries. It pays the debt for people who can’t afford high out-of-pocket costs. Health insurance is a contract health insurer and policyholder that says that the health insurer will pay all medical expenses.

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Umbrella insurance

Have you ever heard of umbrella insurance? If you think you require extra coverage in addition to another type of insurance policy, you can go for umbrella health insurance. You can buy it only if you are already insured as an additional safety to protect you from the risk of being sued. It is also known as liability insurance as it covers costs above other insurance policies.

Travel insurance

If you plan to jet off to a new destination, you may need travel insurance. You would like to reduce your traveling expenses rather than pay massive amounts. Travel insurance covers the cost of airfare in case of medical emergencies or other accidents that can cause a trip to be cut short. It helps to protect trip cancellations, lost or misplaced luggage, travel accidents, and medical costs that come on the trip.

Pet insurance

Pet insurance covers all or most parts of veterinary treatment when a pet is hurt or sick. Suppose your dog or cat met an accident and got injured, you will be required to arrange the amount quickly. Paying into pet insurance is more cost-effective than paying a lump sum to your vet to need your pet to take an emergency room.

Homeowners insurance

To go for homeowners insurance, maintain your home, and keep its property value high. In case of significant damage like a house fire, or earthquake damage, it will be covered by homeowners insurance. Homeowners insurance protects your house and its associated structures such as a porch, garage, and balcony.

Renters insurance

Renters need to know this mantra while renting their property. Protect your property while renting. Tenants use renters insurance to cover personal property in case of damage or theft, which is not the landlord’s responsibility.

Importance of insurance

You wish to head towards insurance due to its importance as it protects you and your family. Your family depends on your financial support to earn a good lifestyle. It’s up to you to make them enjoy a decent standard of living. Due to this reason, insurance is essential once you start your family. You must like to protect the people who matter in your life from financial hardships if an unexpected happens.

A big reason why insurance is essential is that it reduces stress during difficult times and provides relief from the burden on the earner. In the case of unforeseen tragedies such as accidents, illness, injuries, permanent disability, or even death, your family can face tremendous emotional stress and grief. If you have an insurance policy, your and your family’s financial stress can be reduced, and you can entirely focus on recovery.

It gives you the right to enjoy financial security and peace of mind. Insurance offers a payout to provide you with inner satisfaction if an unforeseen event occurs. It helps you and your family to continue moving forward, hopefully. Keep in mind that nothing can replace the value of your health and wellbeing. Nothing compares or replaces the role you play in your family. If you are insured, you can at least have peace of mind that the insurance policy can assist your family’s financial security if anything happens to you. A lump-sum death benefit can secure your family’s financial future and protect their standard of living.

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What are the three main types of insurance?

Insurance comes in different types in detail, but three main types of insurance are listed below:

  1. Property insurance
  2. Life insurance
  3. Liability insurance

What is the insurance policy number?

An insurance policy number is a unique number granted to every policyholder to identify their insurance policy. It is used as a reference number to recognize your insurance policy and coverage. Every insurance policy has a unique number that is unique to it. This number identifies your account. You can find it on your insurance card and the bills and statements you receive from your insurer.

You may need the policy number in a scenario if you have a car accident. If you are pulled over, and any time you need to contact your insurance provider, you can find the 8-10 digit number on your car insurance card. If you get your insurance coverage through a roadside assistance provider like AAA, your insurance policy number will be different from your AAA membership number. You will have a quietly separate card and an account identifier.

Benefits of insurance

Insurance policy comes with great benefits. It has become a necessity as it is a risk minimization and a protection tool that must be purchased without thinking. You can thoroughly understand the benefit that comes from an insurance policy.

  1. Death benefit
  2. Loan options
  3. Life risk cover
  4. Tax benefits
  5. Life stage planning
  6. Assured income benefits
  7. Riders
  8. Return on investment

Death benefit

Investing in life insurance provides you and your family with a completely secure future. The insurer pays the entire amount if you get to face any tragic incident. The insurance company gives a bonus and the sum assured to the bereaved family. It also safeguards people’s interest with diminishing incomes with advancing age, people who meet with accidents, or retired people. You can choose the policy according to your needs and requirements.

Loan options

The life insurance policy provides you the advantage of taking a policy loan if you are in desperate need of money. You can take the loan amount in a percentage of cash value or sum assured under policy terms.

Life risk cover

Life insurance gives you a high-risk cover that keeps you and your family protected in the case of any unfortunate event taking place.

Tax benefits

Section 80C of the Income Tax Act effectively allows the salaried individual to reduce tax liability. Under this section, investments made in the specific instruments are subject to rebate. Currently, the available amount for reimbursement under section 80C is Rs 100,000, which you can invest in life insurance premiums, pension superannuation fund, employee provident fund equity mutual fund schemes, and public provident fund (maximum Rs 70,000). The amount invested in these instruments is eligible for a rebate by deducting the amount from gross taxable income.

Life stage planning

Life insurance aids you in life stage planning, where you can plan your life’s financial goals according to your convenience. It helps you to plan your life stage requirements. It provides financial support in the time of untimely death and behaves as a long-term investment. Through this, you can be facilitated by meeting your goals, educating your children, marrying them, building your dream, and planning a risk-free retired life according to your life stage and appetite.

Assured income benefits

The insurance policy provides your children security by sending them assured income at regular intervals. This income helps pay for all rents, loans, electricity and telephone bills, child education, etc. This income begins to compensate for the income that discontinues after the death of the earning member.


Riders refer to additional benefits that can be bought and added to a basic insurance policy. It allows you to increase your insurance coverage. Riders cover the risks beyond the scope of the central life policy, resulting in a more comprehensive safety. The riders may cover critical illness, personal accident, treatment, family income benefit, and waiver of premium benefit. These additional cover steps when the central life insurance policy does not come into play.

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In addition, riders provide tax benefits and make you eligible for deductions in line with health and life covers. For example, you can claim the premises under section 80 C on premiums paid if you opt for an accidental death rider. In the case of critical illness, the relevant section will be 80 D.

Return on investment

Life insurance schemes yield better when you compare them to other investment alternatives. Mainly, life insurance schemes offer bonuses that no other investment scheme provides. The money you invest in life insurance is safe and covers risks. The money you invest results in fetching good returns and will be returned fully as a sum assured either after the completion of the term or after the insured’s demise. The money invested and the returns are safely paid back in both ways.

What exactly is an insurance policy?

In simple words, an insurance policy refers to a written contract between the insurance company and the person’s business or insured entity. The person pays an amount to a company. The company promises to pay money if the person becomes injured, meets any tragic incident, dies, or pays for the value of lost or damaged property.

It includes the declaration, insuring agreements, definitions, exclusions, and conditions. Many companies have another part that is an endorsement. While buying a policy, use these sections as guideposts in reviewing the policies. Choose your plan wisely and examine each role to identify its key provisions and requirements.

Insurance aims to minimize losses and damages arising from future risks and uncertainties. It is a kind of a social device to eliminate the risk of loss of life or property. It contributes to the general economic growth of the society by providing stability to the functioning of the process. The insurance industries develop financial institutions and reduce uncertainties by providing financial resources.

What is the declaration in an insurance policy?

In the declaration, the insured takes out insurance for the maximum amount he considers would be at risk during the policy period. Every month or a specific period, the insured must furnish a declaration of the amount on a fixed date. Declaration gives better protection in cases where the stock fluctuates from time to time. The paid premium is provisional to 75% of the annual premium in the declaration.

The determination of the actual yearly premium is on the average of the declarations if the premium is higher than the provisional premium already paid. Then, the insured requires to pay the difference to the insurer. On the other hand, if the premium calculated is less than the premium already paid, they would return the excess to the policyholder. Remember that the declaration must be made on a specific day or within the next 14 days; otherwise, the sum insured would be considered as declared value.

One great advantage of the declaration insurance policy is the limitation of premium to the actual amount at risk irrespective of the sum insured.

What is deductible in an insurance policy?

A deductible is an amount that a policyholder has to pay before the insurance company starts to pay up. Under the policy, the insurance company is liable to pay the claim amount only when it exceeds the deductible. If the deductible of your policy is Rs 20,000 and the claim by the insured is 30.000, then the insurance company is liable to pay only Rs 10,000. On the other hand, if the claim amount is less than the deductible, the insurer is not liable to pay any amount.

Insurance companies use deductibles to ensure policyholders share the cost of any claims. It cushions against financial stress caused by catastrophic loss or an accumulation of small losses all at once for an insurer. In addition to premiums, people must meet insurance deductibles. According to the general rule, the policies with higher premiums come with lower deductibles, while those with lower premiums tend to have higher deductibles.

What do you mean by the beneficiary?

A life insurance beneficiary is a person or entity that receives the money from your policy’s death benefit when you decease. While purchasing the life insurance policy, you choose the policy’s beneficiary. Your beneficiary can be anyone, i.e., your spouse or your child. Based on your financial circumstances and values, you decide to select a beneficiary.

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Its primary purpose is to secure your dependents after your death. Suppose you are the only earner of your family; if you die a timely or untimely death, your policy will pay the benefits. Your spouse or child can legally designate to receive the benefit from your financial products.


An insurance policy is an excellent idea if you plan to buy one. It comes with various benefits to protect you and your family from the burden of heavy expenses and out-of-pocket costs. Even after your death, insurance keeps paying the amounts for your family to earn a decent lifestyle. Overall, buying an insurance policy is a never-regretting decision, and you should buy it as soon as possible.


What is an insurance policy quizlet? ›

An insurance policy is a legal contract between and insurance company and an insured, in which the insurance company will pay an insured for covered losses in exchange for the insured paying the premiums.

What is the insurance answer? ›

Insurance is a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you. If you have no insurance and an accident happens, you may be responsible for all related costs.

What is insurance policy summary? ›

What Does Policy Summary Mean? A policy summary is an abbreviated overview of the key aspects of a life insurance policy. This can include the premium amounts, coverage limitations, conditions, and other details.

What is insurance policy in one word? ›

Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. 1. There are many types of insurance policies. Life, health, homeowners, and auto are the most common forms of insurance.

What is life insurance policy very short answer? ›

Life Insurance can be defined as a contract between an insurance policy holder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.

What is an example of insurance policy? ›

Home or property insurance, life insurance, disability insurance, health insurance, and automobile insurance are five types that everyone should have.

How do you answer insurance questions? ›

Here are some guidelines to follow when answering questions from the insurance company to help protect the value of your claim:
  1. Do not comment on your injuries. ...
  2. Only answer the questions asked. ...
  3. Do not agree to have your statement recorded.
  4. Stick to the facts. ...
  5. Write down the adjuster's name and information.
Dec 19, 2019

Why do you know about insurance? ›

Insurance plans are beneficial to anyone looking to protect their family, assets/property and themselves from financial risk/losses: Insurance plans will help you pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future.

What is insurance and how it works? ›

Insurance is a financial product sold by insurance companies to safeguard you and / or your property against the risk of loss, damage or theft (such as flooding, burglary or an accident).

What is in an insurance policy? ›

Policy details like the policy period, number, and premium. Names of the people covered and assets (if applicable). The dollar limits on coverages and your corresponding deductibles. A list of endorsements included in the policy or their total number.

What are the 4 parts of an insurance policy? ›

Every insurance policy has five parts: declarations, insuring agreements, definitions, exclusions and conditions. Many policies contain a sixth part: endorsements. Use these sections as guideposts in reviewing the policies. Examine each part to identify its key provisions and requirements.

What are the 4 key elements of an insurance policy? ›

Like most common-law concepts, it has taken many individual cases and many decades—in some cases, centuries—to develop a settled view of the necessary elements for a valid insurance policy. These elements are a definable risk, a fortuitous event, an insurable interest, risk shifting, and risk distribution.

What is a policy in my own words? ›

A policy is a set of ideas or plans that is used as a basis for making decisions, especially in politics, economics, or business. ... plans which include changes in foreign policy and economic reforms.

What is the meaning of insurance in simple sentence? ›

Insurance is an arrangement in which you pay money to a company, and they pay money to you if something unpleasant happens to you, for example if your property is stolen or damaged, or if you get a serious illness.

What is insurance in a sentence? ›

Noun insurance against theft or damage She has a job in insurance. I work for an insurance company.

What are the main policies of life insurance? ›

What are the main types of life insurance policies in India?
  • Term Insurance.
  • Term insurance with return of premium.
  • Unit Linked Insurance Plans.
  • Endowment plans.
  • Moneyback policy.
  • Whole life insurance.
  • Group life insurance.
  • Child Insurance Plans.

What are the main purposes of life insurance policy? ›

The major purpose of life insurance is protection — the instant estate to meet survivor needs. Some policies include a savings feature, but there are many other ways to save money and make investments.

Why is a life insurance policy? ›

Why is life insurance important? Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.

What are two types of insurance policies? ›

Broadly, there are 8 types of insurance, namely:
  • Life Insurance.
  • Motor insurance.
  • Health insurance.
  • Travel insurance.
  • Property insurance.
  • Mobile insurance.
  • Cycle insurance.
  • Bite-size insurance.

How many types of insurance policies are there? ›

General insurance covers home, your travel, vehicle, and health (non-life assets) from fire, floods, accidents, man-made disasters, and theft. Different types of general insurance include motor insurance, health insurance, travel insurance, and home insurance.

What are the three 3 main types of insurance? ›

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
Jan 28, 2014

What do you know about insurance interview questions? ›

General insurance interview questions
  • Tell me a little bit about yourself.
  • Why do you want to work in the insurance industry?
  • Why do you want to work for our insurance company?
  • What are your strengths?
  • What are your weaknesses?
  • What does good customer service look like to you?
  • What do you hope to learn in this role?
Nov 12, 2020

Do you ask about insurance in an interview? ›

Ask about how much is covered and about the employee premium accounts. Also find out which health care insurance carrier they use and for a summary of the different plan options. Another key question is to find out if there's a waiting period for health benefits to start.

What are the 3 main reasons you should be insured? ›

Health insurance protects you from catastrophic bills in case of a serious accident or illness. Long-term disability protects you from an unexpected loss of income. Auto insurance prevents you from bearing the financial burden of an expensive accident.

Which insurance is most important and why? ›

Health insurance

Health insurance is the single most important type of insurance you'll ever buy. That's because if you don't have health insurance and something goes wrong, it's not just your money at risk -- it's your life.

What are three reasons for insurance? ›

Why do we need insurance, top 5 reasons:
  • Insurance acts as a financial back-up at the time of emergency. ...
  • Insurance makes retirement secure. ...
  • Insurance helps in securing future. ...
  • Insurance encourages savings. ...
  • Insurance gives peace of mind.
Mar 31, 2021

What is the most important part of insurance? ›

1. Premium. An insurance premium is one of the most important places to look when choosing your insurance. The premium is what you have to pay on an ongoing basis to have an insurance policy.

What are the five types of insurance policies? ›

  • Life Insurance. Life insurance provides for your family or some other named beneficiaries on your death. ...
  • Health Insurance. ...
  • Disability Insurance. ...
  • Homeowner's Insurance. ...
  • Automobile Insurance. ...
  • Other Liability Insurance.

What are the 3 limits of insurance policies? ›

Types of Insurance Policy Limits

Per-occurrence limits: The maximum amount an insurer will pay for a single event/claim. Per-person limits: The maximum amount an insurer will pay for one person's claims. Combined limits: A single limit that can be applied to several coverage types.

How do you write a policy essay? ›

The basic elements of a policy paper include:
  1. Description of the context and importance of the problem. It is helpful to careful define the problem and frame it as a specific question to be answered.
  2. Discussion of a range of policy options. ...
  3. Criteria for judging policy choices. ...
  4. The policy recommendation.

How do you write a policy paragraph? ›

7 Tips for Writing an Effective Policy Brief
Oct 18, 2021

How do you write a short policy statement? ›

When drafting a policy statement, there are a few key guidelines to keep in mind:
  1. Keep it simple and concise. Policy statements should be clear and to the point. ...
  2. Be specific. ...
  3. Be realistic. ...
  4. Be consistent. ...
  5. Be flexible.
Apr 13, 2022

What are key words of insurance? ›

Important Insurance Terms
  • Premium. This is the actual cost of your insurance plan. ...
  • Deductible. ...
  • Co-Pay. ...
  • Coinsurance. ...
  • Provider Network. ...
  • Usual, Reasonable and Customary. ...
  • Pre-existing Conditions. ...
  • Beneficiary.

How do you write insure in a sentence? ›

This policy will insure your car against theft. She had difficulty finding a company that would insure her. They take great care to insure the safety and security of their home. We hope that careful planning will insure success.

Which of the following best defines an insurance policy quizlet? ›

Which of the following best defines an insurance policy? A contract between an insured and an insurer that guarantees payment for loss caused by a specific event.

What is an insurance policy between the insurance company and an insured? ›

An insurance agreement is a legal contract between an insurance company and an insured party. This contract allows the risk of a significant financial loss or burden to be transferred from the insured to the insurer. In exchange, the insured promises to pay a small, guaranteed payment called a premium.

Which one of the following best describe the policy document? ›

Solution(By Examveda Team)

Policy document is a detailed document and it is the Evidence of the insurance contract which mentions all the terms and conditions of the insurance. The insured buys not the policy contract, but the right to the sum of money and its future delivery.

What kind of policy does not typically require proof of insurability? ›

Some group plans may not require proof of insurability if the applicant applies during the open enrollment period. Also, providers of plans offering lower or limited benefits may not need evidence of a policyholder's insurability. Also, convertible life insurance will not require additional evidence on conversion.

Which of the following statement is true about insurance? ›

Insurance pays when there is loss of asset. Insurance is a method of sharing the losses of a 'few' by 'many'.

What are the 3 main types of insurance? ›

Then we examine in greater detail the three most important types of insurance: property, liability, and life.

What are 3 common types of insurance? ›

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
Jan 28, 2014

What are the main types of insurance policies? ›

Four types of insurance that most financial experts recommend include life, health, auto, and long-term disability.

What are the 5 main types of insurance? ›

Some of the kinds of general insurance offered in India are as follows :
  • Health Care Coverage.
  • Automobile Insurance.
  • Homeowners' Insurance.
  • Insurance against fire.
  • Insurance for Travel.

What is the basic of insurance? ›

The basic concept of insurance is that one party, the insurer, will guarantee payment for an uncertain future event. Meanwhile, another party, the insured or the policyholder, pays a smaller premium to the insurer in exchange for that protection on that uncertain future occurrence.

What are the two types of insurance policies? ›

There are many types of life insurance policies that can help protect your family, and they all fall into two main categories: term and permanent.

What is insurance and what are its types? ›

Insurance is a legal agreement between two parties i.e. the insurance company (insurer) and the individual (insured). In this, the insurance company promises to make good the losses of the insured on happening of the insured contingency. The contingency is the event which causes a loss.

What is the difference between an insurance contract and an insurance policy? ›

An insurance policy is simply a recitation of terms and conditions which do not attach to a particular person, item or interest. By contrast, an insurance contract creates contractual obligations between the parties. The formation of insurance contracts is governed by the law of contracts.


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