Insurance and Claims, a guide to what auto, home, disaster, and health cover actually pay when something goes wrong

From car accidents and theft to typhoon flooding, fire, and health check-up costs, we explain case by case which policy pays out and how much when something goes wrong. We cover the claim standards for auto insurance, where storm-and-flood cover ends and home fire cover begins, what health indemnity plans will actually reimburse, and how to trace unclaimed benefits. Rules that differ by country - US flood insurance and FEMA aid, Japan's fire insurance water-damage standards - are laid out the same way.

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