Type of care or service furnished to an end-stage renal disease (ESRD) patient. Such types of care are transplantation; dialysis; outpatient dialysis; staff-assisted dialysis; home dialysis; and self-dialysis and home dialysis training.
Insurance Encyclopedia
essential access community hospital (EACH)
Rural hospital that has at least 75 beads and provides backup services to rural primary care hospitals for referred patients. In 1989 Congress created EACHs in only a few states (Public Law 101-239).
Essential community providers
Providers such as community health centers that have traditionally served low-income populations.
Essential Covers for Motor Insurance
(a) Passenger Liability in Public Passenger Service Vehicles i.e., Taxi, buses and rickshaws subject to additional premium. (b) Bi-fuel (attachments for using CNG or LPG as alternative fuel for running the vehicles): For vehicles fitted with bi-fuel arrangement require an endorsement in the Registration Certificate and an additional premium is to be paid for Third Party Liability Cover. (c) Liability for persons employed in connection with the operation of the vehicle. (d) Personal Accident Cover for Owner Driver: This cover is compulsorily given to owners of individually owned vehicles, other than vehicles insured under commercial vehicles, Trade Risk Policies, applicable to both Liability Policy and Package Policy. The cover is not applicable to commercial vehicles under Section E, F & G. The owner must be holding an effective driving licence. The cover is provided to the owner-driver whilst driving the vehicle, including mounting or dismounting from or traveling in the insured vehicle as a co-driver. The scope of cover and sum insured for death, loss of 2 limbs or sight of two eyes or loss of one limb and sight of one eye or permanent total disablement is 100% of sum insured, loss of one limb or sight of one eye is 50% of the sum insured. Maximum sum insured for two wheelers is Rs. 1,00,000 nd for Private Cars and Commercial Vehicles Rs. 2,00,000/-.
Essential Elements for Insurance Contract
All Insurance contracts must have the following five essential elements in order that they may be enforceable at law:(i) offer and acceptance (ii) consideration (iii) consensus ad idem i.e., agreement between the parties (iv) capacity of the parties and (v) legality of the contract.
Established patient
Evaluation and management guidelines in Current Procedural Terminology (CPT) code book define an established patient as an individual who has received professional services from the physician or another physician of the same specialty who belongs to the same group practice, within the past 3 years.
Establishment business
See: freedom of establishment.
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UK: Overseas insurance business obtained by an insurer as a result of establishing a local agent, branch office and subsidiary or associated company in foreign territories. This contrasts with services business, i.e. non-admitted insurers who are not represented by a branch, etc., but who sell across national frontiers.
Estate
A right in property. An estate in land is the degree, nature, or extent of interest which a person has in it.
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All the property a deceased person owns at the time of his or her death.
Estate administrator
One who takes possession of the assets of a decedent, pays the expenses of administration and the claims of creditors, and disposes of the balance of an estate in accordance with the statutes governing the distribution of decedents’ estates.
Estate claim
Assertion of a right to assets or money from the estate of a deceased person. Each state has different time limits on filing a claim within a number of months from the date of death or date of publication of death. Also, each state has a different person or place where the claim should be filed such as court of probate, estate executor, or commissioner.