Two surgeons

Situation when more than two surgeons are present at the time of the operation. A five-digit CPT code number is used with an attached modifier -62 to list the procedure. If listing more than one modifier, the appropriate sequence is to list -62 first and any one of these modifiers in the next position (-54, -55).

Two-risk warranty

A warranty used in catastrophe excess of loss reinsurance to ensure that the reinsurance is not invoked unless at least two distinct risks are involved. Involvement in single losses applies to working cover excess of loss treaty. The warranty is used in life, personal accident, catastrophe property and reinsurance in the London excess market (LMX).

Type of Policy Covers for Motor Insurance

The IRDAI has withdrawn the Indian Motor Tariff with effect from 1st April 2009. However, the wordings of “Liability Only’ Policy are retained and the rates for ‘Liability Only” policy are regulated by IRDAI. With regard to ‘Own Damage” Covers the existing policy wordings are to be continued but insurers are given freedom of pricing and permitted to provide add on covers after obtaining the Regulator’s approval. The erstwhile India Motor Tariff wordings will remain as standard cover.