Physical examination performed by a physician to determine if an insurance applicant has any physical, moral, occupational, or financial characteristics of risk. These qualities are evaluated by the insurance company to determine whether to insure the entity. An ME may also be performed when an insured claims to have disability and to determine whether he or she is actually disabled.
Insurance Encyclopedia
Medical Examiner
The physician who examines an applicant or claimant on behalf of the insurer and as an agent of the insurer.
Medical examiner (Health Insurance/Life Insurance)
The doctor who acts as an agent of the insurer by conducting the examination of a prospective insured.
medical examiner (ME)
1. Physician approved by the insurance company to perform a medical examination on an individual who is applying for health or life insurance. 2. Member of a national or state board of medical examiners. 3. Physician authorized by a government agency to determine cause of death for a situation that does not occur under natural circumstance. See also coroner .
Medical expense coverage
See: no-fault insurance .
Medical expense insurance
Type of health insurance that provides benefits for health care costs incurred for medical care such as hospital room and board, surgeon’s fees, office visits to doctors, prescription drugs, medical treatments, and nursing care. Some managed care plans offer benefits for preventive care.
***
HEALTH: Health insurance that covers medical and surgical expenses, as well as hospital expenses.
Medical Expense Reimbursement Plan
a plan under which an employer reimburses employees for certain medical expenses may be used in conjunction with other types of health iNSURANCE plans or policies.
Medical expense reimbursement plan (Health Insurance)
A plan that issues reimbursement of specified health care-related expenses for employees.
Medical expenses insurance
See: PRIVATE MEDICAL INSURANCE.
Medical foundation
See: foundation for medical care (FMC) .