A list of the goods being transported by a carrier.
Insurance Encyclopedia
Manifestation
Characteristic signs or symptoms associated with an illness.
Manifestation theory
See: Occurrence Trigger Theories; TRIPLE TRIGGER THEORY.
Manifestation/Injury Theories
Two theories often used to identify the time when a person suffers bodily harm. The timing of this harm can be important in determining which of two or more Insurance policies provides coverage. Under the injury the theory, a person suffers harm when he first comes into contact with the physical Agent which ultimately results in injury or disability, frequently after a significant period of dormancy.
Manipulation
Reduction or correction of a fracture or joint dislocation by applying manual force to move it into its normal anatomical position or alignment.
Manual
Book published by an insurance company or rating bureau that is used as a guide. It contains rates, classifications, specifications, and rules pertaining to various types of insurance policies.
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A guide to rates and classifications under a certain type of insurance.
Manual and Group Premium Rating
A method of calculating premiums by collecting similar exposure units into groups and charging each unit the same premium rate.
Manual billing
Processing statements by hand; may involve typing statements or photocopying the patient’s ledger and placing it in a window envelope, which then becomes the statement.
Manual claim review
Physical analysis of an insurance claim, prepayment or postpayment, that requires the intervention of program safeguard contractor (PSC) personnel.
Manual Excess
The premium for an amount of insurance in excess of the basic limit of liability. This premium is determined by referring to a table of rate factors which are multiplied by the manual rate in order to arrive at a premium for the higher limit selected.