- Hail Insurance:
- Form of insurance that protects against loss of crops from hail.
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- Hazard:
- A condition that creates or increases the chance of loss.
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- Health Insurance:
- Insurance against financial losses resulting from sickness or accidental bodily injury.
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- Health Insurance:
- An insurance policy that provides payment for benefits of a covered sickness or injury.
Included under this definition are various types of insurance such as: accident insurance,
disability insurance, medical expense insurance, and accidental death and dismemberment
insurance.
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- Health Maintenance
Organization (HMO):
- An HMO is a prepaid medical service plan that provides a wide range of comprehensive
health care services for a specified group (members) or individuals at a fixed periodic
payment.
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- High-Risk Automobile Insurer:
- A insurance company that specializes in insuring motorists who have poor driving
records.
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- Hold-Harmless Clause:
- A clause written into an insurance policy which one party agrees to release another
party from any legal liability.
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- Homeowners Policy:
- A package policy providing home owners with a broad range of property and liability
coverage's.
- Hospice:
- A health care facility providing medical care and support services for terminally
ill persons.
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- Hospital Expense Insurance:
- A health insurance policy that covers daily hospital room and board charges
and some miscellaneous hospital expenses.
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- Hospital Miscellaneous
Services:
- Any services other than room and board (and general nursing services) provided
by a hospital during hospital confinement. Included are such items as: X-
ray examinations, laboratory tests, medicines, surgical dressings, anesthetics
(including the administration of), and use of operating room.
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- Hull Insurance:
- A class of ocean marine insurance that covers physical damage to the ship
or vessel insured. Usually, written on an "all-risks" basis. Also
can provide physical damage insurance on a aircraft, similar to collision
insurance in an automobile policy.
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- Human Life Value:
- A method of determining Life insurance needs by taking into account a person's
income, expenses, remaining years of earning, and the depreciation of money
over time.
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- Hurricane:
- A tropical storm marked by extremely low pressure and circular winds with
a velocity of 75 miles an hour or more.
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