Actually, there isn't one and the technical term is indeed a 'policy.' We just find that word a bit confusing and jargon-y, two things we hate, especially when there's another, more common word that does the trick just as well. Namely, a 'plan.'
You'll find us doing that quite often (i.e., taking insurance lingo that's excessively complicated or technical for no apparent reason and translating it into plain, normal English, like calling a 'quote' by a more common term you might have heard of known as a 'price').
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