implementation guide (IG)

Document explaining the proper use of a standard for a specific business purpose. The X12N Health Insurance Portability and Accountability Act (HIPAA) IGs are the primary reference documents used by those implementing the associated transactions and are incorporated into the HIPAA regulations by reference.

Implied authority

Authority granted to an agent, even though not stated, that lets the agent perform tasks usual and necessary to exercise the agent’s express authority. See Actual authority and Express authority.
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Authority of an agent that the public may reasonably believe the agent to have. If the authority to collect and remit premiums is not expressly granted in the agency contract, but the agent does so on a regular basis and the insurer accepts, the agent has implied authority to do so.
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MEDICAL,USA: Permission that an individual or company intends an insurance agent to have and that occurs incidentally from an express grant of authority.
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The authority that a member of the public may believe an agent to have. For example, if an agent is repeatedly seen signing contracts on behalf of the agency, though he or she may not have authority to do so, it is reasonable for the public to believe the agent has that authority.

Implied conditions/terms

Contractual terms that by law are tacitly binding and do not have to appear in the contract. Conditions can be implied by statute (e.g. Sale of Goods Act 1979). The following conditions are implied in insurance contracts: (a) that the subject matter of insurance is in existence at the date of effecting the policy; (b) that the insured has an insurable interest; (c) that the parties observe utmost good faith towards each other at all material times and in all material particulars; and (d) that the subject matter of insurance is so described as to clearly identify it and define the risk undertaken by the insurers.

Implied contract

Contract between physician and patient not manifested by direct words but implied or deduced from the circumstance, general language, or conduct of the patient. Insurance contracts are not implied contracts because every condition is included in the policy.

Implied warranty

A warranty is a representation by the policyholder that certain conditions exist or will be met. Even if the warranty is not in writing, it may exist as an “implied” warranty, for example, that a building is not on fire when insured, or that a vessel is seaworthy.
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UK: A warranty which by law is tacitly understood to be binding and does not have to appear in the policy. The Marine Insurance Act 1906 (ss.39, 41) implies: (a) that under a voyage policy the vessel will be seaworthy at the commencement of the voyage; and (b) the legality of the insured adventure. In a voyage policy on goods or other moveables there is a further implied warranty at the commencement of the voyage that the ship is reasonably fit to carry the goods, etc., to the intended destination (s.40).
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Warranty which, though not stated in words in an application for Insurance, is assumed to be true, at least as an affirmative warranty. Though rare outside ocean marine Insurance, an implied warranty in property Insurance is that the insured believes the property is not now being destroyed.