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Group medical insurance is a type of health insurance coverage provided to a group of people, typically through an employer or an organization. It is designed to provide healthcare benefits to a group of individuals, which can include employees of a company, members of an association, or members of a specific organization.

Life insurance is a contract between a policyholder and an insurance carrier. When you pay your premiums on time, the insurance company gives money to beneficiaries upon the policyholder's death. This financial benefit, known as the death benefit, is typically paid out as a lump sum and is designed to provide financial security and support to the policyholder's loved ones after their passing.  

Visitor insurance, also known as travel medical insurance or travel health insurance, is a type of insurance coverage designed to provide protection to individuals who are traveling to a foreign country or visiting another country temporarily. This insurance is particularly important because the healthcare systems and medical costs can vary significantly from one country to another, and many standard health insurance plans may not cover medical expenses incurred outside of one's home country.

Disability insurance, also known as disability income protection, is like a financial cushion for people who can't work because they're sick or injured. It steps in to give you some money, kind of like a backup paycheck, when you can't earn your usual income due to a health problem. It's a big help when you can't work because of a disability or illness, making sure you have some money coming in even when you can't earn a living.

Long-term care insurance (LTCI) is like a special kind of insurance that helps pay for the costs of taking care of people who can't do everyday things on their own, like basic Activities of Daily Living (ADLs) due to chronic illness, disability, or cognitive impairment. These ADLs typically include bathing, dressing, eating, toileting, continence, and transferring (getting in and out of bed or a chair).