Health Insurance Port Arthur TX

 

 

Health Insurance Port Arthur TX

     Having defined the vital terms of the contract, the contract will set forth the exact terms of the agreement. Most policies are written in outline form and organized around sections. Each section of the policy covers one specific topic of the agreement. For example, Section 1 of a Health Insurance Port Arthur TX policy deals with property coverage’s, and Section II with liability. Thus, each area of the  contract that deals with property coverage in the policy will be labeled as “Section I” material and each part that sets forth the terms of liability coverage will be labeled as “Section II.” Most Health Insurance Port Arthur TX policies have several sections within each insurance agreement.

     Subjects within each section may be further broken down into different parts, each part designated by a letter. Again using the Health Insurance Port Arthur TX policy as an illustration, the parts will be labeled Part A, “Dwelling,” Part B, “Other Structures,” and Part C, “Personal Property” (see part 4). Regardless of the type of insurance, there will be a different part for each subject covered within each individual section of the Health Insurance Port Arthur TX policy.

     Here are brief excerpts from a typical Health Insurance Port Arthur TX policy to help you visualize the point.

Note that there are three different parts (dwelling, other structures, and personal property) covered within the individual section on property damage. For organizational purposes, those subjects were broken down individual and labeled with the letters A, B, and C.

     The agreement portion of the policy will refer to each section number and part letter when outlining coverage pertinent to each. As an illustration, the homeowner’s insurance policy quoted on deals with the perils (see glossary) insured against, using the same format just described. Notice that the different section numbers and part letters are consistent throughout the insurance policy.

     And so it will go, section by section, part by part. The policy will specify the terms of the insurance agreement, the exact level of coverage (by reference to the declarations page), and the exclusions and conditions of coverage, which shall be described below.

Exclusions

Exclusions tell you exactly what areas are specifically not covered by the insurance contract. In other words, where and exclusion exists, there is no protection afforded by the policy (unless purchased separately as a rider or endorsement—see “endorsements and riders” below).

 

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