Final answer:
Non-insurance items or services not explicitly included in an insurance policy can include various benefits and programs such as employment-based insurance, direct-purchase insurance, pension insurance, and other forms of compensation like retirement plans and contributions to social programs.
Step-by-step explanation:
Non-insurance items or services offered to an insured, potential insured, or employer that are not explicitly included in an insurance policy contract can encompass various benefits and programs. For example, employment-based insurance often includes comprehensive health plans provided by employers. These may cover both the employee and their family. In contrast, direct-purchase insurance is obtained individually from a private company without employer involvement. Moreover, there are legally mandated programs like pension insurance where employers contributing to pension plans must insure a portion of those funds with the Pension Benefit Guarantee Corporation, ensuring some level of benefits even if the company faces bankruptcy.
In addition, various forms of social insurance exist that aren't literally considered insurance, like contributions to Social Security, where current payments fund future benefits in case of old age or illness. Overall, the suite of items and services that fall outside direct policy benefits may include employer payments to Social Security, retirement plans, unemployment and workers' compensation insurance, and other programs like Medicare as part of total compensation.