or other possessions. It is among the most common forms of risk management.

(35) Health insurance usually pays some medical expenses or may pay for only certain medical care. In many places workers may receive health insurance as a condition of their employment.

Disability insurance provides some income if a person is injured and cannot work.

Life insurance provides financial assistance to a person's dependents in case of his or her death. (36) Such insurance has enabled many families to carry on their life after the injury or the death of their main bread-winner.