There's always a cap on how much your insurer will pay out. This could be per year, per claim, or even over your lifetime, depending on what type of insurance you have. Sometimes you'll hear this called "sum assured" or "benefit cap." For example, your health insurance might cover up to $100,000 per year, or your dental benefit might max out at $1,000 annually. Once you hit that limit, any additional costs come out of your own pocket. Understanding these limits helps you avoid surprises when you're dealing with expensive treatments or multiple claims in a year.