Planning centred on what an organisation needs to do after the occurrence of an untoward event, such as a fire or loss of computing facilities. Disaster recovery is more concerned with the effects of an event and minimising its negative impact than dealing with the cause. See BUSINESS CONTINUITY MANAGEMENT.
Insurance Encyclopedia
Disbursements
Expenses incurred by the shipowner prior to sailing that will be ‘lost’ if the vessel does not complete its voyage. Disbursements comprise port expenses, bunkers, supplies, labour, customs fees, etc. Disbursements insurance pays for the ‘lost expenses’ if the vessel becomes a total loss before reaching its destination. See DISBURSEMENTS WARRANTY.
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Marine term for expenses for certain labour and supplies which will be lost if a ship is sunk.
Disbursements or Increased Value Policy, Marine Hull
These are ship-owner’s expenses incurred in fitting out and provisioning the vessel and other items not included in the H & M Valuation. An amount up to 25% of the H&M value may be insured, provided no freight insurances are taken. The conditions are against Total and/or Constructive Total Loss of Vessel, plus excess liability for collision, GA, Salvage and Salvage charges and Sue and Labour expenses arising where there is a shortfall between the insured value of the vessel and the contributory value of the Vessel for claims purpose.
Disbursements warranty
Hull policy clause prohibiting the insured from effecting additional insurances, including total loss of hull and machinery, other than those specified in the clause. Breach of warranty is not held covered and discharges the insurer from all liability. The clause allows the shipowner to effect policies, not exceeding 25 per cent of the insured value on disbursements, increased value and anticipated freight. The warranty prevents the shipowner from fixing a low sum insured on the hull and simultaneously effecting cheap total loss only cover. Similar provisions apply to freight policies as they follow the settlements on hull policies in the event of total loss.
Discharge
1. A receipt given by a policyholder to acknowledge a loss payment and that he has no further claim on the insurer in respect of that loss. In third party claims, the insurer pays the claimant and obtains an acknowledgement to absolve the insured from all future liability relating to the cause of action concerned. 2. Unloading cargo from a vessel.
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A form of receipt given by a claimant, acknowledging that- he has no further claim in respect of the happening or accident concerned.
Discharge –
Something that discharges or releases a flowing or issuing out, such as a discharge of spores. A broken pipe discharges water from the break.
discharge (DC)
When related to the health care setting, this refers to the patient’s formal release from the hospital as an inpatient or if a patient voluntarily departs the hospital. Types of discharge are discharge by death, discharge by transfer, and discharge to home. The discharge hour is inserted in Field 16 and patient discharge status is entered in Field 17 of the Uniform Bill (UB-04) inpatient hospital billing claim form.
Discharge date
Month, day, and year that the patient is formally released from the hospital or skilled nursing facility (e.g., patient left against medical advice, patient released to home, patient transferred to a skilled nursing facility or acute care hospital, patient expired).
Discharge days
See: length of stay (LOS) .
Discharge diagnosis
One or more of the diagnoses listed after all the information from tests and observation have been obtained during the present course of a patient’s hospital stay. This identification is given at the time of hospital discharge.