This information depends a lot on the region in which you are located because here in Venezuelan territory you don't usually see insurance like that. Even so, he has done a lot of work.
In Venezuela, practically all insurance has disappeared, not even workers have HCM, which is essential, there would be very few companies that are insured4.
Informative blog, but cannot be seen as a universal because each insurance has its own guidelines. Insurances are a very separate institution with its own rules and regulations.
insurance companies in my country have practically disappeared, the high costs of living, due to the priority of people in cutting their expenses as much as possible by prioritizing food, basic services and education
What insurance covers depends entirely on the type of insurance, the insurance company that created the policy, and the legislation of the country in which the insurance is taken out. So you can't use your blog as a universal guideline.
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