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A personal computer (PC) is a computer whose original sales price, size, and capabilities make it useful for individuals, intended to be operated directly by an end user, with no intervening computer operator. A personal computer may be a home computer, or may be found in an office, often connected to a local area network. The distinguishing characteristics are that the computer is used only (or mostly) by one person at a time, in a very interactive fashion. This is opposite to the batch processing or time-sharing models which allowed large expensive systems to be used by many people, usually at the same time, or large data processing systems which required a full-time staff to operate efficiently. The capabilities of a personal computer have changed greatly since the introduction of electronic computers. By the early 1970s, people in academic or research institutions had the opportunity for single-person use of a computer system in interactive mode for extended durations, although these systems would still have been too expensive to be owned by a single person. The introduction of the microprocessor, a single chip with all the circuitry that formerly occupied large cabinets, lead to the proliferation of personal computers after about 1975. Early personal computers generally called microcomputers, sold often in kit form and in limited volumes, and were of interest mostly to hobbyists and technicians. By the late 1970s, mass-market pre-assembled computers allowed a wider range of people to use computers, focusing more on software applications and less on development of the processor hardware. Throughout the 1970s and 1980s, home computers were developed for household use, offering personal productivity, programming and games. Somewhat larger and more expensive systems (although still low-cost compared with minicomputers and mainframes) were aimed for office and small business use. Workstations are characterized by high-performance processors and graphics displays, with large local disk storage, networking capability, and running under a multitasking operating system. Workstations are still used for tasks such as computer-aided design, drafting and modeling, computation-intensive scientific and engineering calculations, image processing, architectural modelling, and computer graphics for animation and motion picture visual effects. Eventually the market segments lost any technical distinction; business computers acquired color graphics capacity and sound, and home computers and game systems used the same processors and operating systems as office-bound computers. Mass-market computers had graphics and memory comparable to dedicated workstations of a few years before. Even local area networking, originally a way to allow business computers to share expensive mass storage and peripherals, became a standard feature of a home computer. Today a personal computer may be a desktop computer, a laptop computer, or a tablet computer. The most common operating systems are Microsoft Windows, Mac OS and Linux, while the most common microprocessors are the x86 and PowerPC CPUs. Software applications for personal computers include word processing, spreadsheets, games, and a myriad of personal productivity and special-purpose software. Modern personal computers often have high-speed or dial-up connections to the Internet, allowing access to the World Wide Web and a wide range of other resources. While early personal computer owners usually had to write their own programs to do anything useful with the machines, today's users have access to a wide range of commercial and free software which is easily installed. PC Prescription drug plans are a form of insurance offered through many employer benefit plans in the US, where the patient pays a co-payment and the prescription drug insurance pays the rest. Ethiopia Health insurance companies also often have a network of providers who agree to accept the reasonable and customary fee and waive the remainder. Europa Island It will generally cost the patient less to use an in-network provider. Falkland Islands (Islas Malvinas) Health plan vs. Faroe Islands health insurance Fiji Historically, HMOs tended to use the term "health plan", while commercial insurance companies used the term "health insurance". Finland A health plan can also refer to a subscription-based medical care arrangement offered through health maintenance organization, HMO, PPO, or POS plan. France These plans are similar to pre-paid dental, pre-paid legal, and pre-paid vision plans. French Guiana ) The services offered are usually at the discretion of a utilization review nurse who is often contracted through the managed care entity providing the subscription health plan. French Polynesia This determination may be made either prior to or after hospital admission (concurrent utilization review). French Southern and Antarctic Lands Inherent problems with insurance Gabon Some national systems with compulsory insurance utilize systems such as risk equalization and community rating to overcome these inherent problems. Gambia, The
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In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage. Antarctica Bodily injury liability coverage is also usually split as well into a maximum payment per person and a maximum payment per accident. Antigua and Barbuda Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Argentina Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Armenia A Health insurance policy is a contract between an insurance company and an individual. Aruba The contract can be renewable annually or monthly. Ashmore and Cartier Islands The type and amount of health care costs that will be covered by the health plan are specified in advance, in the member contract or Evidence of Coverage booklet. Australia The individual policy-holder's payment obligations may take several forms[7]: Austria Premium: The amount the policy-holder pays to the health plan each month to purchase health coverage. Azerbaijan Deductible: The amount that the policy-holder must pay out-of-pocket before the health plan pays its share. Bahamas For example, a policy-holder might have to pay a $500 deductible per year, before any of their health care is covered by the health plan. Bahrain It may take several doctor's visits or prescription refills before the policy-holder reaches the deductible and the health plan starts to pay for care. Baker Island