Evaluation of prescription drug use and prescribing patterns by physicians to establish the appropriateness of drug treatment. DUR may be done for individual patients, an entire insured group, for current, past, or future usage. Medication costs may be reduced by substituting generic for brand name drugs and use of a drug formulary.
Insurance Encyclopedia
Drug utilization review (Health Insurance)
A process of appraising and reconsidering the usage of drugs to determine the effectiveness of drug treatment.
Druggists liability insurance
A form of professional liability insurance for druggists.
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A contract that protects a druggist in case of a suit arising out of filing prescriptions, missed delivery of drugs and other operations normal to a drugstore.
Druggists’ liability insurance (Liability)
Insurance that covers a druggist against liability stemming from filling prescriptions, unfulfilled drug deliveries, and the like.
Dry Lease
The rental of a “clean” aircraft without crew, ground staff or supporting equipment.
Dry perils
The following are categorised as dry perils: aircraft, explosion, riot and civil commotion, malicious damage and earthquake. They are a group of perils, additional perils, that extend the cover under a standard fire policy.
Dry-docking expenses
The costs of entering and keeping a vessel in dry dock for repairs form a part of the repair costs. See COMMON CHARGES.
DSM-IV-TR
See: Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition, Text Revision (DSM-IV-TR) .
Dual basis payroll
Method of insuring ‘wages’ under a business interruption policy when not included in the full payroll in the gross profit item. The policyholder insures 100 per cent of his payroll for an initial limited period, e.g. 13 weeks, but only a percentage, e.g. 25 per cent, for the remainder of the indemnity period to retain key staff. On payment of an additional premium, the insured can ‘consolidate’, i.e. extend the initial period of full cover for a longer period with no cover thereafter.
Dual Capaciity Doctrine
Rule of civil procedure which permits an employee entitled to workers compensation benefits to also sue the employer on the basis that the employer acted wrongfully in some other capacity (for example, as a supplier of goods or an occupant of premises) causing harm to the insured employee and is therefore obligated to compensate the employee for more than workers compensation benefits.