In October 1973 the Highway Research Board (HRB) was set up under the Indian Road Congress for giving undivided attention to research and development activities.
Insurance Encyclopedia
Highway traffic act
The body or system of laws that govern the obligations of the provincial governments and users of roads. A breach or conviction of any of these laws may be an offense but does not of itself impose legal liability, but it may be relied upon in any proceeding to establish or negate any liability.
Hijacking
Forcing a pilot to fly aircraft to an unscheduled destination. The normal aircraft ‘all risks’ policy excludes hijacking. Politically motivated hijacking and sabotage can be insured by a separate war risks policy. Hijacking of lorries has been a concern for goods-in-transit insurers but the risk is not excluded. ‘Carjacking’ is the same thing but applies when cars are forcibly taken from their drivers.
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Any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight by any person or persons on board the aircraft.
Hill-Burton Act
Legislation and the programs operated under that legislation for federal support of constructing new and modernizing existing hospitals and other health facilities, beginning with Public Law 79-725, the Hospital Survey and Construction Act of 1946. The original law, which has been amended, provided for surveying state needs, developing plans for construction of hospitals and public health centers, and assisting in construction and equipping them in exchange for the hospitals’ commitment to give free or discounted fees for services to individuals who cannot afford treatment. The Department of Health and Human Services (HHS) issued regulations that established standards for uncompensated care. It stated that care given to Medicare and Medicaid patients was not considered uncompensated care. Until the late 1960s, most of the amendments expanded the program in dollar amounts and scope. The administration has attempted to terminate the program, while Congress has tried to restructure it toward support of outpatient facilities, facilities to serve areas deficient in health services, and training facilities for health and allied health professions. The purpose of the existing Hill-Burton program was modified by Public Law 93-641 to allow assistance in the form of grants, loans, or loan guarantees for the following purposes: modernization of health facilities; construction of outpatient health facilities; construction of inpatient facilities in areas that have experienced rapid population growth; and conversion of existing medical facilities for the provision of new health services.
HIPAA data dictionary (HIPAA DD)
Data dictionary that defines and cross-references the contents of all X12 transactions included in the Health Insurance Portability and Accountability Act (HIPAA) mandate. It is maintained by X12N/TG3.
HIPCs
Acronym that means health insurance purchasing cooperatives. See consumer health alliances .
Hire or reward
In an English case decided by the learned judge DU PARCO hire or reward is explained as under: “It appears to me that a distinction falls to be drawn between the word ‘hire’ and he word ‘reward.’ The first word necessarily imports an obligation to pay. The inclusion of the second words in not in my opinion merely for the purpose of giving an alternative word to hire, which means the same thing, but for the purpose of bringing a subject matter which does not include hire and including (I do not say it is confined to that) cases where here is no obligation to pay.”
Hire purchase clause
Motor insurance clause protecting the interest of any hire purchase company that has financed the purchase of the insured’s vehicle. The clause may appear in other property policies.
Hire Purchase Guarantee
The cover is in respect of articles sold by financing institutions on hire-purchase basis and the Insurance is against default by hires. The Insurer undertakes to indemnity the insured against a certain percentage of such net pecuniary loss as the insured may sustain by reason of the hirer and his guarantor failing to pay a part or whole of the amount due by the hirer to the insured under a hire-purchase agreement. Net pecuniary loss is to be regarded as the difference between the value of the article as mentioned in the relative hire-purchase agreement and the aggregate of any deposit and installments paid by the hirer and/or by the guarantor and the net sale proceeds of the article.
Hired Auto
Hired auto covers a vehicle the insured does not own, is not registered to the insured, and is rented or leased for less than 30 days. For example, if the insured runs a delivery service and needs rents an additional vehicle for the two weeks before Christmas, the hired auto coverage protects that vehicle. (See Business Auto Policy).
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A nonowned auto that may be borrowed as well as rented or leased by the insured. Personal auto policy insureds are covered automatically for hired autos, but business auto policy insureds may not be.