Life insurance arranged without the proposer being medically examined. The insurer requests a medical report from the proposer’s doctor with the proposer’s permission. Life offices have their own non-medical underwriting limits expressed in terms of age and sum insured, and type of policy.
Insurance Encyclopedia
Non-negligent cover
See: JCT CLAUSE 21.2.1.
Non-occupational policy
A contract which insures a person against off-the-job accident or sickness.
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A Policy which does not cover disability resulting from injury or sickness covered by workmen’s compensating. Group accident and sickness policies, for instance, are almost always non-occupational.
Non-occupational policy (Health Insurance)
A policy that does not cover injuries sustained while at work, because those injuries are covered by workers compensation.
Non-Owned Aircraft Endorsement
An endorsement to an Aviation policy indemnifying the insured against claims by passengers for which he is responsible when the passengers are being carried in an aircraft that is not the insured’s property.
Non-ownership Liability Insurance
Motor liability Insurance against the insured’s liability from acts or omissions while driving or being responsible for a motor not owned or hired by the insured.
Non-participating policy
An alternative term for a non-profit policy also called a without profits life insurance policy.
Non-pensionable earnings
Earnings such as overtime and bonuses not taken into account when calculating pension scheme benefits or contributions.
Non-pensionable employment
Employment where either the worker chooses not to join an occupational pension scheme or there is no available scheme for him to join. Earning from such employment can be included in net relevant earnings. and impose conditions or warranties.
Non-profit insurers
Corporations organized under special state laws to provide hospital, medical, or dental insurance on a non-profit basis.