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 Insurance Words & Terms Delaware Department of Insurance 2019-2025

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now let's talk about some of the words you're likely to hear if you're dealing with insurance so the first one is a premium or an insurance premium and that's really just what you're paying in order to get the insurance so if you pay let's say 200 a month for health insurance that 200 a month is your premium now the other number or that other word you'll hear a lot is deductible now this is an amount of money that you're going to have to pay and then only when you get above that amount then the insurance kicks in so let's say your health insurance has a five thousand dollar deductible and let's say you have to go through some type of unless it's the beginning of the year usually it's based on a calendar year and you have to get some type of Health Care done and it costs two thousand dollars well you're going to pay that two thousand dollars out of pocket you're going to pay t

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