Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the How to play casino dice loss due to any single vessel's capsizing. These policies include worldwide medical protection and also can include evacuation services. DI insurance replaces income lost while the policyholder is unable to work during a period of disability (in contrast to medical expense insurance, which pays for the cost of medical care).[53] For most working age adults, the risk of disability is greater than the risk of premature death, and the resulting reduction in lifetime earnings can be significant