22.1 Image Hotspot – Explore Insurance Coverage Options
课程学习目标：
- Insurance Basics – Insurance = Protection from big costs when unexpected events happen.
- Premium & Claim – 优质的 is what you pay regularly; claim is the money insurance pays you after a loss.
- Key Costs – Deductible, copay, coinsurance decide how much you pay out-of-pocket before insurance helps.
- Coverage Choices – Different policies (health, auto, renters, travel, liability) cover different risks; choose what fits your life and budget.
主要课程信息：
- Shares Risk – By pooling premiums, insurance spreads financial risk so one accident doesn’t wreck your savings.
- Right Policy Matters – Pick coverage for the things you own and the people who rely on you.
- Costs Vary – Age, location, habits, and plan type change how much you pay; low premium often means high deductible.
Be Prepared – Knowing terms like premium, deductible, copay, coinsurance and checking for recalls keeps you protected and in control.
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