External dependencies

Risks attaching to a business as a result of dependencies on supplies from, or sales to, outside enitities. Loss of trade may be due to occurrences, e.g. fires, at the premises of customers and/or suppliers. Risk man agement involves a scrutiny of external dependencies and internal dependencies. Business interruption policies can extend to cover loss of trade due to damage occurring at the premises of customers and/or suppliers, utility suppliers, loss of attraction, etc.

External means

Bodily injury, for personal accident policy purposes, must, inter alia, be caused by ‘external and visible’ means. This is to make it clear that the bodily injury must be due to some outside event clearly visible as distinct from internal physical defects – the words are used as the antithesis of ‘internal means. Exceptions to this strict meaning arise in connection with the inhalation of gas or the accidental taking of poison.

External Quality Review Organization (EQRO)

1. Federal regulations require states to use an EQRO to review the care provided by capitated managed care entities. EQROs may be a quality improvement organization (QIO) program, another entity that meets peer review organization requirements, or a private accreditation body. 2. Organization with which a state contracts to evaluate the care provided to Medicaid-managed eligibles. Typically, the EQRO is a peer review organization. It may conduct focused medical record reviews targeted at a specific clinical condition or broader analyses on quality. Although most EQRO contractors rely on medical records as the primary source of information, they may also use eligibility data and claims/encounter data to conduct specific analyses.