A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
C. Ca Cb Cc Cd Ce Cf Cg Ch Ci Cl Cm Co Cp Cr Cs Cu Cy

Composite panels (sandwich panels)

Building products used for cladding and insulation but creating a significant fire hazard. Materials such as expanded polystyrene, extruded polystyrene and polyurethane are more combustible than safer but more expensive alternatives. The risk is exacerbated when ‘warehouse damage’ lowers the fire resistance of panels. The higher the level of combustibility the harder it is to obtain insurance. Expert advice is available from the Building Research Establishment Ltd.

Composite rate

1. Flat or standard rate charged to all enrollees of a managed care plan in a particular group regardless of whether they are enrolled for single or family coverage. 2. Phrase that describes the average unit cost per employee covered. 3. In the Medicare program, this system is one of two methods of payment for dialysis services rendered in the patient’s home. Payment does not include the physician’s professional services, separately billable laboratory services, and separately billable drugs.
***
A special single rate based upon a measure of exposure which reasonably reflects the variations in the insurable hazards covered for a particular insured. Bases of exposure to which the composite rate is applied include but are not limited to pay roll, sales, receipts and contract cost.

Composite Rating

To rate large complex risks and where detailed inspect ion and audit is carried out. Instead of rating different coverage using different exposure basis, all applicable coverage are rated using one, composite exposure base. The composite rate is used to determine the deposit premium based on the estimated composite exposure base and the final premium is based on the inspected/audited composite exposure base.

Comprehensive

MEDICAL,USA: 1. Term used to describe a level of history and/or physical examination. 2. When an audit is taking place, term that indicates a general multisystem examination (eight or more organ systems or complete examination of a single organ system).
***
A loosely used term signifying broad or extensive coverage of insurance.
***
UK: A term describing a policy with a number of different types of cover in one document (e.g. a private car comprehensive policy has sections providing material damage cover, third party cover, personal accident cover, medical expenses, etc.).