It is extremely important that, before purchasing any insurance policy, you understand as much as possible about your policy and its conditions. Most whole policies usually provide a standard set of benefits, but the provisions, conditions and benefits of different policies can vary widely. The amount you must pay each month to purchase the insurance coverage. Sometimes, dependents can be enrolled in a policy independent of you. The amount of money you must pay, in each case of accident or illness, before the insurance starts paying.
Most policies have a deductible.
Most policies are renewable, but the premiums may increase at renewal. The percent of costs the insurance will pay and the maximum amount up to which the insurance will pay per accident or illness, or per coverage period. The coverage starts after you pay the deductible. Sometimes there is a limit on the number of days covered. Sometimes policies limit or do not offer this coverage.