A rate other than the rate that gained approval of the appropriate regulators upon application by a rating organization. This rate is filed by an insurer independent of the rating organization, and is based on the insurer’s own loss and expense data.
Insurance Encyclopedia
Deviating Insurer
An insurer offering rates at a discount, below the rates offered by competitors or promulgated by rate-making organizations.
Deviation
A rate that is different from the manual rate.
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A rate that varies from the manual rate. Deviation : Section 48 of the marine Insurance Act: (01) Where a ship without lawful excuse, deviates from the voyage contemplated by the Policy, the Insurer is discharged from liability as from the time of deviation, and it is immaterial that the ship may have regained her route before any loss occurs. (02) There is a deviation from the voyage contemplated by the Policy: (a) where the course of the voyage is specifically designated by the Policy, and that course is departed from, or (b) where the course of the voyage is not specifically designated by the Policy, but the usual and customary course is departed from. (03) The intention to deviate is immaterial, there must be a deviation in fact to discharge from his liability under the contract.
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UK: Departure of a vessel from the customary or agreed route with the intention of returning to that route to complete the voyage. Under the Marine Insurance act 1906, s.46, the insurer is discharged from liability if the deviation is made without lawful excuse. The Institute Cargo Clauses deviation clause protects cargo owners by ‘holding covered’ during deviations beyond the insured’s control. A similar but more strongly worded deviation clause appears in hull voyage policies. Deviation does not apply to time policies as cover is not based on voyages.
Deviation Clause
An Ocean Marine Insurance clause providing the insured with coverage in the event of a deviation en route beyond the insured’s control. Also, a clause in a charter party or bill of lading allowing the vessel to deviate without resultant liability of the carrier to the cargo owner.
Devise (Estate)
Real estate given as a gift through a legal last will.
DHS
1. Abbreviation for designated health services. See designated health services (DHS) . 2. Abbreviation for Department of Health Services. See Department of Health Services (DHS) .
Diabetes mellitus
Complex disorder of carbohydrate, fat, and protein metabolism that is primarily a result of a deficiency or complete lack of insulin secretion by the cells of the pancreas or resistance to insulin. There are two types as shown in Table D-1 .
Diabetes self-management training
Program that educates patients in taking care of themselves because they have diabetes mellitus. It includes education about treatment, diet, and exercise.
Diabetic durable medical equipment
Purchased or rented ambulatory items such as glucose meters and insulin infusion pumps, prescribed by a health care provider for use in managing a patient’s diabetes, as covered by the Medicare program.
Diagnosis
1. Identification of a disease, syndrome, or condition by scientific evaluation of history, physical signs, symptoms, tests, and procedures. Diagnosis includes the technical description of the disease or condition and its cause, as well as the proper diagnostic code from the International Classification of Diseases, Ninth Revision, Clinical Modification (ICD-9-CM) code book. 2. In Medicare fraud, misrepresenting the diagnosis for the patient to justify the service provided or equipment furnished.