SHOCK: Tom Cruise was seen with a painful injury on his hand after returning from a visit with his daughter Suri. When asked about it, Tom remained silent, but his sister Marian revealed the shocking truth: ‘Suri is a d3vil!’ – celebrity.xinloc.com

Tom Cruise looked in good spirits despite being injured as he arrived to London via helicopter on Thursday.

Walking across the tarmac at Battersea helipad, the Hollywood actor, 62, appeared to have suffered a painful hand injury.

The Mission Impossible star’s knuckle on his right hand looked pink and grazed as he carried a black padded jacket while crossing the concourse.

The injury looked to be healing well and while it is unknown how he sustained the graze he is currently filming for the upcoming Mission Impossible movie.

MailOnline have contacted Tom’s representatives for comment.

Smiling from his helicopter, Tom beamed and gave a thumbs up as he touched down in the English capital.

Keeping it simple but stylish, Tom opted for a navy jumper and dark blue denim jeans while he carried his coat.

He completed the look with his signature shades and sporty white trainers as he swung his backpack over his shoulders.

It comes after Tom made a rare appearance with his sister Marian on his 62nd birthday on Wednesday.

The star had been filming scenes for the long-awaited sequel Mission Impossible 8 at Longcross Studios and was boarding his helicopter in Battersea with his sibling.

Tom was joined by his director Christopher McQuarrie and his wife Heather to board the chopper after another day’s work on the film.

Marian was equally happy as she made her way along the landing pad, cutting a relaxed figure in a black padded jacket and matching loose trousers.

Tom has three sisters, Marian, Lee-Ann and Cass, and the actor has remained close to all of his siblings throughout his life. Their mother Mary Lee died in 2017.

In a 2006 interview with Parade magazine, Tom detailed the abuse he endured growing up from his father Thomas Cruise Mapother III, who died in 1984.

He said Thomas ‘was a bully and a coward… the kind of person where, if something goes wrong, they kick you. It was a great lesson in my life – how he’d lull you in, make you feel safe and then, bang!’

He added: ‘For me, there’s something wrong with this guy. Don’t trust him. Be careful around him. There’s that anxiety.’

As a result of the abuse the siblings formed a tight-knit bond, with Tom even declaring a few years ago: ‘I would live with all of my sisters if I could. We have always been very close, my sisters and me.’

And it appears now that dream has come true, with his family reported to have moved into a luxury Scientology building in Florida just a stones throw away from the church’s global headquarters.

Despite their close relationship, however, the star has rarely been seen with his sisters in public, perhaps because his siblings took vastly different paths to the Academy Award winner.

Sharing Tom’s avid belief in the church of Scientology, his sister Cass Capazorio is director of a company that helps run courses in the religion, sometimes referred to as a cult, that was born in America during the 1950s.

His other sister, Lee Anne Gillotte is a former publicist who now works managing the luxury Skyview building where the quartet live and being treasurer of the he ‘Skyview Condominium Association Inc’.

According to The Sun his third sister Marian Henry, her son Cal and daughter-in-law Marjorye, are also all Scientologists.

His brother in law Greg, who is married to Cass, is also said to be the head of another company that helps to rehabilitate prisoners using Scientology techniques.

It is perhaps unsurprising that Tom has remained close to his siblings after he dedicated much of his younger years to helping raise his sisters as they endured a tough childhood at the hands of their abusive father Thomas Cruise Mapother III.

Reflecting on the abuse he endured from his father in a 2006 interview with Parade magazine, he said Thomas ‘was a bully and a coward… the kind of person where, if something goes wrong, they kick you’.

‘It was a great lesson in my life – how he’d lull you in, make you feel safe and then, bang,’ he added.

‘For me, there’s something wrong with this guy. Don’t trust him. Be careful around him. There’s that anxiety.’

On the other hand, he described his mother Mary lee with love and care, calling her a ‘very warm, charismatic woman, very kind, very generous’.

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Source: USA Today

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
Per-Claim vs. Annual Deductible:

Per-Claim Deductible: You pay the deductible every time you file a claim.
Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.