Wellness & fitness insurance limits are similar to what you may see on your car insurance policy. Limits break down into two parts shown below: Example: $1 Million/$3 Million The first number ($1 million) is the "per claim" limit, meaning the maximum amount of money your policy will pay for each claim. The second number ($3 million) is the "aggregate" limit, meaning the maximum total amount your policy will cover you in any policy year.