abstract:Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
Ken Thorpe, a health economist at Emory University, reckons that Mr Bush's plan will bring 3.8m people under Medicare's new umbrella for drug insurance.
"Mom had a stroke last year, and the hospital charged 18, 000 yuan, but we could claim back only 1, 000 yuan from insurance, " said Mr. Luo, the Chongqing umbrella seller.