In spite of the fact, that different types of online insurance are really popular today, to my mind there are some interesting points to talk about, a kind of a small 'terra incognita'.

For instance a credit insurance. It is taken by lenders who need coverage against the people that have credit with them (borrow money). In the event of their inability to pay it back (usually due to unemployment, disability, or death), this insurance protects the lender.

There are many other kinds of insurance, and even each of the major categories mentioned above has dozens of variations and types. They differ depending on the markets, the understanding of risk and availability of historical data, government regulation and law, cultural perceptions and expectations, and more. Here you can find also credit card insurance, which protects you from loosing too much money while repaying a credit card debt and guarantees the safety for it.

Personal insurance is one of the most popular nowadays. The most developed nations have government-funded health care which means that most or all citizens have access to medical facilities and treatment, as well as health insurance plans. For example, the National health Service (NHS) in the United Kingdom pays for citizens’ medical needs. However, in the US, there is no government-funded health policy - whether for insurance or treatment. As a result, US citizens and residents must be insured or risk facing astronomical medical bills, garnishing of wages, and bankruptcy. Often, medical insurance (both health and dental) is included in employee benefit packages (a type of employer health insurance, which means that an employer should pay for an employee too) in the US and other countries. Nevertheless, the issue of affordable health insurance and treatment in the US is one of the most controversial and heated topics, as many cannot afford either. If you live in a country without comprehensive national health care, then low cost health insurance is a vital requirement.