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					Word(s) :   Health insurance - insurance cover providing financial protection in the event of sickness or injury. Hedging - A strategy used to protect against risks involved in investments. Higher rate tax - Under U.K. income tax regulations, bands of personal income are taxed at different rates. The highest rate of income tax is currently set at 40%. High-interest cheque account - An account that pays interest at a rate similar to a savings account but also offers a cheque-book facility. High-lending fee (mortgage indemnity guarantee) - An extra charge made by lenders on loans that are more than 90% of the value of a property. Home insurance - insurance to protect a policyholder's home. The insurance can be buildings insurance, where the outside of the home is covered, or contents insurance where the contents of your home are insured against theft or damage. Homebuyer's report - an optional professional survey carried out to check the structure of the property. This is more thorough than a valuation, but less detailed than a structural survey. HP - Hire Purchase - a method of paying for an item where the buyer effectively 'hires' the item over a fixed period of time, often used as an alternative to a car loan.