Insurance Policy

An insurance policy is a contract through which an insurer promises to hedge an insured person against material loss (see also: Insurance).

The policy lists the insured property. It also states which hazards are hedged against and which are not. An insurance policy also lists the premium which the insured is required to pay to the insurer in exchange for the insurance coverage.

Insurance policies serve as proof of insurance. The terms and conditions which govern the coverage provided by an insurance policy are defined in a policy’s general terms and conditions (GTC). The general terms and conditions, together with the insurance policy, form the insurance agreement.

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Daniel Dreier is editor and personal finance expert at moneyland.ch.

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