{"id":111530,"date":"2023-04-12T11:01:56","date_gmt":"2023-04-12T15:01:56","guid":{"rendered":"https:\/\/www.sitata.com\/?page_id=111530"},"modified":"2023-05-23T19:25:20","modified_gmt":"2023-05-23T23:25:20","slug":"what-is-an-insurance-policy-a-beginners-guide","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/ar\/what-is-an-insurance-policy-a-beginners-guide\/","title":{"rendered":"What is an Insurance Policy? – A Beginner’s Guide"},"content":{"rendered":"[et_pb_section fb_built=”1″ _builder_version=”4.20.2″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”#26343e 56%|#ffffff 100%” background_image=”https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/03\/charlotte-noelle-98WPMlTl5xo-unsplash.jpg” background_blend=”screen” min_height=”400px” da_disable_devices=”off|off|off” saved_tabs=”all” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.20.2″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#FFFFFF” header_font_size=”2rem” background_color=”rgba(38,52,62,0.5)” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”20px|20px|0px|20px|false|false” global_colors_info=”{}”]

SITATA INSURANCE ACADEMY<\/h1>[\/et_pb_text][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#FFFFFF” header_font_size=”3rem” background_color=”rgba(38,52,62,0.5)” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”10px|20px|20px|20px|false|false” header_text_shadow_style=”preset2″ global_colors_info=”{}”]

WHAT IS AN INSURANCE POLICY?<\/span> – A BEGINNER’S GUIDE<\/h1>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.20.2″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/lets-travel-insurance.jpg” title_text=”lets-travel-insurance” _builder_version=”4.20.2″ _module_preset=”default” max_height=”347px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”66e09942-4c7f-4e61-88bf-f4afb1ad30e4″ text_font=”|300|||||||” text_font_size=”1.5rem” text_line_height=”1.8rem” global_colors_info=”{}”]

Although it might be challenging to grasp, insurance is critical to protecting your finances (your hard-earned vacation money!) and planning ahead. This article will thoroughly explain what an insurance policy entails and the key ideas you need to understand to choose your coverage wisely.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.20.2″ _module_preset=”default” custom_margin=”|auto|40px|auto||” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”40b587d8-3a29-4472-9390-93da297e869e” global_colors_info=”{}”]

Introduction<\/span><\/h3>\n

An insurance policy is a contract between the policyholder and the insurer. In return for the policyholder paying a premium, the insurer offers financial protection or reimbursement in the event of loss or damage. With travel insurance, the insurance policy might also come with additional non-insurance services, such as an assistance service that can help you during an emergency – and at Sitata, we do a whole lot more than that! Making knowledgeable choices about your financial protection and coverage requires a thorough understanding of insurance products.\u00a0<\/span><\/p>\n

Policy Coverage<\/span><\/h3>\n

The protection or compensation a policy offers is called policy coverage. It can change depending on different elements, including the type of policy, the cost of the premium, and other terms and conditions. Making judgments about the coverage you require requires knowledge about the policy’s coverage and what risks you might face when travelling.\u00a0<\/span><\/p>\n

Premium<\/span><\/h3>\n

The premium is the sum of money that the policyholder pays in exchange for insurance protection. The age, health, lifestyle, travel destinations, and level of coverage of the policyholder are all taken into account when calculating premiums. One must pay the premiums on time to maintain the insurance in force and receive coverage when necessary.\u00a0<\/span><\/p>\n

Deductible<\/span><\/h3>\n

A deductible is the amount of money the policyholder must pay out-of-pocket before the insurance coverage starts. This can affect the policy coverage, with lower deductibles resulting in higher premiums and higher deductibles resulting in lower premiums. Understanding deductibles is important when making decisions about your coverage.<\/span><\/p>\n

Claims Process<\/span><\/h3>\n

The method for asking the insurance provider for compensation or protection in the case of a loss or damage is known as the claims process. Notifying the insurer of the loss or damage, supplying evidence of loss, waiting for the insurer to examine the claim, and obtaining cash or protection if the claim is granted are all steps in the claims process. Depending on the type of policy and the complexity of the claim, the length of the claims process can change. It is always best to file a claim as quickly as possible after the loss has occurred.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.20.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” border_radii=”on|15px|15px|15px|15px” border_color_all=”#E1B876″ border_width_all=”2px” custom_padding=”25px|25px|25px|25px|false|false” sticky_enabled=”0″ admin_label=”callout” global_module=”112363″ saved_tabs=”all”][et_pb_column type=”1_2″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/storage.googleapis.com\/sitata-wp\/2023\/02\/excited-airport.png” alt=”headline image of excited travellers at the airport for worry-free travel with travel insurance” title_text=”excited-airport” _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”66e09942-4c7f-4e61-88bf-f4afb1ad30e4″ global_colors_info=”{}”]

Ready To Go?<\/h1>\n

Time To Protect Your Trip<\/span><\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=”4.20.2″ _module_preset=”66e09942-4c7f-4e61-88bf-f4afb1ad30e4″ hover_enabled=”0″ global_colors_info=”{}” text_font_size=”1.5rem” sticky_enabled=”0″]

Sitata’s travel insurance is so much more. 24\/7\/365 chat-first assistance, real-time disruption and safety notifications, flight tracking, telemedicine, fast digital claims payments, and the list goes on… all so you can travel worry-free. So what are you waiting for?<\/p>[\/et_pb_text][et_pb_button button_text=”Check Pricing” _builder_version=”4.20.2″ _module_preset=”01b458d8-4fdc-4ba5-9b17-00796f37ec71″ hover_enabled=”0″ sticky_enabled=”0″ button_url=”https:\/\/www.sitata.com\/for-your-trip”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.20.2″ _module_preset=”default”][et_pb_column _builder_version=”4.20.2″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.20.2″ _module_preset=”40b587d8-3a29-4472-9390-93da297e869e” global_colors_info=”{}”]

Excess<\/span><\/h3>\n

The amount that the policyholder will be responsible for paying out-of-pocket in the case of a claim, regardless of the size of the claim, is known as the insurance excess. Like a deductible, the excess amount can change based on variables, including the kind of insurance and the level of coverage.<\/span><\/p>\n

Exclusions<\/span><\/h3>\n

Exclusions refer to circumstances or events that are not covered by the insurance policy. Examples of exclusions include pre-existing medical conditions, intentional acts, and certain natural disasters. It is important to understand the exclusions to know what is and is not covered by the policy.<\/span><\/p>\n

Policyholders’ Rights and Responsibilities<\/span><\/h3>\n

The policyholder’s rights include the right to receive protection and reimbursement, while the policyholder’s responsibilities include reporting claims, paying premiums, and providing accurate information. Understanding these rights and responsibilities is important to make the most of your insurance coverage and avoid disputes with the insurer.<\/span><\/p>\n

Dates of Coverage<\/span><\/h3>\n

The term “dates of coverage” describes the exact time frame in which the insurance policy is in force. Knowing the dates of coverage is important for determining when the policy is in force and when different types of coverage are offered.<\/span><\/p>\n

Definitions<\/span><\/h3>\n

Definitions refer to clarifications of important terms used in the insurance policy. Understanding these definitions is important to know what is meant by terms such as “policy coverage” and “deductibles”.<\/span><\/p>\n

A policy document will always have a definitions section – normally at the end of the document. Definitions simply explain key terms used in the insurance policy. You should do your best to understand these definitions so that you\u2019ll know what words like “deductibles” or “covered reason” mean. Often the \u201cdevil is in these details.\u201d<\/span><\/p>\n

Schedule of Benefits<\/span><\/h3>\n

The schedule of benefits is a detailed list of the protection or reimbursement provided by the policy. Understanding the schedule of benefits is important to know what protection or reimbursement is available in the event of loss or damage.<\/span><\/p>\n

What’s the Difference Between an Excess and a Deductible?\u00a0<\/span><\/h3>\n

The schedule of benefits is a detailed list of the protection or reimbursement provided by the policy.<\/span><\/p>\n

Both the excess and deductible are primarily intended to protect the insurance company from frequent or baseless claims. People generally become more irresponsible after buying an insurance policy since they know they will receive compensation from the insurance company in the event of an accident. To avoid this type of behaviour, an excess or deductible is often used.\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Now, the key difference is as follows:<\/span><\/p>\n

    \n
  • An excess is a sum that a policyholder must pay before the insurer assumes any responsibility (up to the total amount insured)<\/span><\/li>\n
  • A deductible is a sum that is withheld by the insurer from the claim settlement sum that is given to the policyholder.<\/span><\/li>\n<\/ul>\n

    \u00a0<\/span><\/p>\n

    For example, let\u2019s assume a policy has a sum assured of $1000 and an\u00a0<\/span>excess<\/span><\/em><\/strong>\u00a0of $100. if the loss to the policyholder is $500, then the insurer will pay 500 – 100 = $400. If the loss to the policyholder is $1500, then the insurer will pay $1000 (since it is the max amount that the insurer can pay).<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    Now let\u2019s look at the same scenario but assume a\u00a0<\/span>deductible<\/span><\/em><\/strong>\u00a0of $100. In this situation, if the loss to the policyholder is $500, then the insurer will pay 500 – 100 = $400. If the loss to the policyholder is $1500, then the insurer will pay 1000 – 100 = $900 (i.e. sum assured less deductible)<\/span><\/p>\n

    the schedule of benefits is important to know what protection or reimbursement is available in the event of loss or damage.<\/span><\/p>\n

     <\/p>\n

    Conclusion<\/span><\/h3>\n

    In conclusion, understanding insurance policies is crucial to making informed decisions about coverage and protection. This guide has provided an overview of key concepts such as policy coverage, premiums, deductibles, claims process, exclusions, policyholder’s rights and responsibilities, date of coverage, definitions, and schedule of benefits. When making decisions about your insurance coverage, one must work with a seasoned insurer and seek knowledge of insurance policies essential for making decisions regarding your protection and coverage.\u00a0<\/span><\/p>\n

    At Sitata, we\u2019re only a simple chat away to help you understand what type of coverage might be important for you. Let\u2019s continue our travel insurance journey by learning about the types of travel insurance that are available.<\/span><\/p>\n

    \u00a0<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ admin_label=”navigation” _builder_version=”4.20.2″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.20.2″ _module_preset=”default” custom_padding=”5px|5px|5px|5px|false|false” border_radii=”on|3px|3px|3px|3px” border_width_all=”1px” border_color_all=”#26343E” global_colors_info=”{}”][et_pb_image src=”https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/astjohn_an_image_of_a_traveler_feeling_at_ease_and_secure_with__603dd112-9fbe-496f-ba53-b1aca97cf795-min.png” title_text=”astjohn_an_image_of_a_traveler_feeling_at_ease_and_secure_with__603dd112-9fbe-496f-ba53-b1aca97cf795-min” show_bottom_space=”off” _builder_version=”4.20.2″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.20.2″ _module_preset=”40b587d8-3a29-4472-9390-93da297e869e” text_orientation=”right” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”]

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    This article offers a thorough overview of insurance policies, covering important ideas like policy coverage, premiums, deductibles, claims handling, exclusions, policyholder rights and obligations, dates of coverage, definitions, and schedule of benefits. It aids readers in making knowledgeable choices about their coverage and protection, making it ideal for newcomers.<\/p>","protected":false},"author":15,"featured_media":112334,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"folder":[455],"yoast_head":"\nWhat is an Insurance Policy? - A Beginner's Guide<\/title>\n<meta name=\"description\" content=\"Know the insurance related terms such as Insurance Policy, Premiums, Deductibles, Excess, Exclusions, Schedule of Benefits and many more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sitata.com\/ar\/what-is-an-insurance-policy-a-beginners-guide\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an Insurance Policy? 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