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Delivery

The actual placing of an insurance policy in the hands of the insured.
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The transfer of the possession of a thing from one person to another.

Demand bill

Invoices sent to the Medicare administrative contractor for medical review and payment determination at the request of the beneficiary because the patient disputes the provider’s opinion that the bill will not be paid by Medicare.

Demand management

This phrase is used in managed care and is a technique or process used to match patient needs with a quality, cost-efficient atmosphere and at the same time influencing self-care to members, which lowers their needs for services and results in lower costs of care.

Demands and needs statement

The Insurance Mediation Directive requires intermediaries to give customers a statement of their demands and needs. Where advice is given, the statement must also explain the reasons for the intermediary’s recommendation. The FSA’s ICOB Rules will require a demand and needs statement from: intermediaries and insurers when selling to retail customers, whether advice is given or not; intermediaries and insurers for advised sales to commercial customers; intermediaries only for non-advised sales to commercial customers. The statement must be given in a durable medium before the contract is concluded. However, it can be given orally: where the customer requires immediate cover or the customer requests that it be given orally. For advised and non-advised sales see ADVISING AND SELLING STANDARDS.