Set up by the government to develop criteria for evaluation of the scientific, medical and actuarial evidence available to support the use of genetic tests in insurance risk assessment and to evaluate those tests against these criteria. Members come from the insurance industry and clinical and genetic patients groups. The insurance industry has agreed a voluntary code with GAIC whose aim is to ensure that individuals do not avoid tests because they fear a result harmful to their life cover applications. See ABI GENETIC TESTING CODE OF PRACTICE.
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Genetically Handicapped Persons Program (GHPP)
A state program for genetically disabled children.
Gentleman’s Agreement
An understanding, binding in honor only, that is not expressed in a formal document intended to have legal effect.
geographic adjustment factor (GAF)
Under the resource-based relative value scale (RBRVS) of the Medicare fee schedule, the weighted sum of the Geographic Practice Cost Indices (GPCI) for each geographic area. Also see geographic practice cost indices (GPCIs) .
Geographic adjustment method
In the Medicare program, this is a system used to convert the Medicare average United States fee-for-service per capita costs (USPCCs) to the local adjusted average per capita costs (AAPCCs). This is used to pay Medicare risk contracting health maintenance organizations (HMOs).
geographic practice cost indices (GPCIs)
One of three components of the system in the Medicare program that is used in bringing fees for professional services in line for the region where each physician practices. It is pronounced “gypsies.” Under the resource-based relative value scale (RBRVS) of the Medicare fee schedule, the indices are numbers used to adjust the Relative Value Units for each component of a service (physician’s work, practice’s overhead, and malpractice costs) to reflect geographic differences in cost to provide the services. Each component is multiplied by its own GPCI. The GPCI is a single measure that combines the three fixed shares, whereas the geographic adjustment factor (GAF) of the Medicare fee schedule allows for each service to reflect different shares, thus creating a GAF for each service.
Geographical Area for Motor Insurance
Motor insurance is provided for use of the vehicle within India. Temporarily usage in neighboring SAARC countries Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, Maldives can be covered by payment of extra premium.
Geographical Limitation
“A contractual provision which is specifically names geographical areas outside of which the insurance is not effective.
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A clause that lists the only geographic areas in which coverage is effective.
Geographical limits
See: TERRITORIAL LIMITS.
Geographical Zones in India for Motor Insurance
India has been divided into the following zones for the purpose of rating depending on the location of the office of registration or maximum use of the vehicle. Private Cars/Motorized Two wheelers/commercial Vehicles rates as Taxes (not exceeding 6 passengers) Zone A :Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and PuneZone B :Rest of IndiaCommercial Vehicles other than vehicles covered above: Zone A : Chennai, Delhi/New Delhi, Kolkata and Mumbai Zone B :All other State Capitals Zone C : Rest of India These broad outlines of zoning are followed by insurers. Some insurers have formed further sub-zones based on their claim experience, e.g., Commercial vehicles and two-wheelers in major cities are classed for higher zones than above or sub-classed with higher-rate than the class they fall under.