The person (or persons) whose risk of financial loss from an Insured peril is protected by the policy.
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Benefit Period (usually Policy Year)
This is a 12 month period and will be detailed in your Policy. Usually the calendar year of 1st Jan to 31st Dec. If your benefit(s) stipulate e.g. 5 visits to a therapist in that period, you will have to pay for the additional visits. If you have the SHIC Plan you have Cl$400 for out-patient services in your benefit period.