(01) A firm that offers to transport merchandise for hire and must accept shipments from anyone who wishes to use its services. Different laws and rules govern common carriers. Private or contract carriers that only transport the goods of those with whom they have made agreements. (02) As per provisions of the Carriers Act, 1865 the common carrier denotes a person, other than the government, engaged in the business of transporting for hire property from place to place, by land or inland navigation, for all persons indiscriminately.
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A carrier (such as a shipping company or railroad) who offers his vessel or other mode of transportation to the public for the purpose of transporting merchandise.
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“A common carrier is someone or a business that carries people or property from one place to another for payment. When the common carrier transports people, the term is important in certain accidental death contracts. When the common carrier transports property, the term is important for trucker insurance.Accidental Death
Often an accidental death insurance provision will pay double indemnity if the death takes place on a common carrier. For example, if one had $100,000 of accidental death and died in an automobile accident, the company would pay the beneficiary $100,000. If the insured dies as a passenger on a bus line, on a regularly scheduled route, the company would pay $200,000.

Trucker

In trucking insurance, a common carrier of property is distinguished from a contract carrier or one who hauls under contract for only one entity. Truckers that are common carriers are required to furnish proof of cargo insurance with the Interstate Commerce Commission. (See Truckers Policy).”
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UK: A person who carries goods for ‘all and sundry’ willing to pay a reasonable charge. Such a carrier may be of a particular product over a particular route but if he limits the service to a particular sector he becomes a private carrier. A common carrier’s liability at common law for the goods is strict, subject only to the defences of: action of the Queen’s enemies, Act of God, fault of the owner, inherent vice. Railways are not common carriers and many road hauliers use the Road Haulage Association Conditions of Carriage.

Coverage for transportation firms that must carry any customer’s goods so long as the customer is willing to pay. Examples include trucking companies, bus lines, and airlines.

Break in Policy means the period of gap that occurs at the end of the existing policy term, when the premium due for renewal on a given policy is not paid on or before the premium renewal date or within 30 days thereof.

As per Section 2.f of Health Insurance Regulations 2016 Cashless facility means a facility extended by the insurer or TPA on behalf of the insurer to the insured, where the payments for the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved.

Expenses on hospitalization are generally admissible only if the same is for a minimum period of 24 hours. However, there is an exception for cases of specialized treatment which cannot be undertaken in a shorter time (less than 24 hours) due to technological advance called day care procedures. It usually includes hemodialysis, chemotherapy, eye surgery, D&C, angioplasty, hernia, hydrocele, surgery related to ENT etc. Note: Procedures/treatments usually done in outpatient department are not payable under the policy even if converted to day care surgery/procedure or as in patient in the hospital for more than 24 hours.

An accident is a sudden, unforeseen and involuntary event caused by external and visible means. (Insurers may define the term accidental injury in the context of the term “accident”.

Acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return the person to his or her state of health immediately before suffering the disease/illness/injury which leads to full recovery.

Any one illness means continuous period of illness and it includes relapse within 456 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken.

A chronic condition is defined as a disease, illness, or injury that has one or more of the following characteristics:—it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests—it needs ongoing or long-term control or relief of symptoms— it requires your rehabilitation or for you to be specially trained to cope with it—it continues indefinitely—it comes back or is likely to come back.