Dread disease coverage (also known as “critical illness” insurance) may be a rider on a life insurance policy or a standalone life or health policy. As a rider to a life insurance policy, the coverage pays alump sum prior to death if the insured contracts a dread disease listed in the policy such as cancer, heart disease, or AIDS.As a standalone life insurance policy, dread disease coverage pays a benefit only if the insured dies of one of the listed dread diseases. Premiums are normally lower than traditional life insurance.
Standalone dread disease health insurance normally pays a supplemental benefit should the insured contract a specified critical illness. For example, an insured with a cancer policy might receive a lump sum when diagnosed with cancer and so much per day of chemotherapy.
Insurance providing an unallocated benefit, subject to a maximum amount, for expenses incurred in connection with the treatment of specified diseases such as cancer, poliomyelitis, encephalitis and spinal meningitis.
See: limited coverage policy .
Insurance that covers all medical costs associated with treating the medical conditions listed in the policy.
See: Critical Illness Policy.
Vessels involved with sprinkling or suction, which normally work in ports or inland waterways. Cover is normally granted under the Institute Port Risk Clauses covering: 1. Loss or damage, 2. Third party liabilities except in of respect employees. A dredger proprietor with a registered office in London must effect an employers’ liability insurance. However, insurance is not compulsory for injury or disease suffered or contracted outside Great Britain.
A fire prevention appliance which covers a building externally with a curtain of water to prevent fire from spreading from one building to another.
Ability of an individual to put on and take off all garments and medically necessary braces or artificial limbs, if worn. Also see activities of daily living (ADLs) .