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Wednesday, October 28, 2020

Primary Shixako na Badali na niymo ma sudhara babat latest Paripatra Date:- 26/10/2020.

 

Primary Shixako na Badali na niymo ma sudhara babat latest Paripatra Date:- 26/10/2020.


Online education may be a sort of education where students use their home computers through the web . for several nontraditional students, among all of them those that want to continue working full time or raising families, online graduations and courses became popular within the past decade. Often online graduation and course programmes, a number of which are conducted using digital technologies, are provided via the web learning portal of the host university.


“Online education is electronically supported learning that relies on the web for teacher/student interaction and therefore the distribution of sophistication materials.”


It is not surprising that in-person courses are, on the average , simpler . Being face to face with teachers and other students creates social pressures and benefits which will help motivate students to interact . Some students do also in online courses as in in-person courses, some may very well do better, but, on the average , students do worse within the online setting, and this is often particularly true for college kids with weaker academic backgrounds.


What Is Insurance?


Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.


Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party.


Insurance


How Insurance Works


There is a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them—for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law.


Insurance Policy Components


When choosing a policy, it is important to understand how insurance works.


A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. There are three components (premium, policy limit, and deductible) to most insurance policies that are crucial.


Premium


A policy's premium is its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business's risk profile, which may include creditworthiness.


For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single mid-range sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies. So finding the price that is right for you requires some legwork.


Policy Limit


The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum.


Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured.


Deductible


The deductible is a specific amount the policy-holder must pay out-of-pocket before the insurer pays a claim. Deductibles serve as deterrents to large volumes of small and insignificant claims.


Deductibles can apply per-policy or per-claim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims.


Special Considerations


With regard to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles.


Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off.


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Businesses require special types of insurance policies that insure against specific types of risks faced by a particular business. For example, a fast-food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives.


 


In order to select the best policy for you or your family, it is important to pay attention to the three critical components of most insurance policies—the deductible, premium, and policy limit


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