Refers to an individual’s ability to obtain needed medical care, such as facility location, transportation, operating hours, cost of care, availability of medical services, and patient acceptability of services.

Amount paid by a health insurer to a network Per Member Per Month (PMPM) to use the network’s providers.

The ability to obtain medical care and services when a patient requires them.

Separate living quarters within a single-family home. The ADU is a complete living unit with its own kitchen and bathroom.

Insurance against injury, loss, or damage to persons, property, or liability that is not covered by life, fire, or marine insurance.

US MEDICAL: Health insurance that protects a person in the event of an accidental bodily injury. Insurance benefits can help to replace a portion of earned income lost due to disability caused by an accident. Accident insurance may also cover medical expenses and indemnity for death, limb or sight loss as a result of an accident.

Health insurance underwriters use this classification to assess the type and degree of danger represented by a specific occupation, such as fire exposure, use of dangerous machinery, handling of heavy objects, and the risk of falling.

An insurance benefit providing coverage in the event of accidental loss of life, limb, or eyesight, offered as a supplementary benefit to a group term life insurance plan.

A supplementary benefit provision that pays an additional lump-sum amount, beyond the basic death benefit of a life insurance policy, only if the insured’s death results from an accident. This provision is commonly known as “double indemnity” when the extra payout equals the original face amount of the policy.

This is a Rider in a life insurance policy stating that an accidental death benefit is payable if the insured’s death was the result, directly and independently of all other causes, of bodily injury caused solely by external, violent, and accidental means. The “means” that caused the mishap must be accidental to claim benefits under the policy.