This term is used interchangeably with noncancelable and guaranteed renewable. Any insurance plan or program for which employer pays the entire premium. An employee does not make any contributions. Nonmedical Insurance issued without a medical examination. Partial Disability A condition resulting from injury or sickness where the insured can perform some, but not all occupational duties.
Exact definitions vary from policy to policy.
A provision that the insured and insurer will share covered losses in an agreed proportion. Permanent is presumed after a stated period of time defined in a policy, such as 6 months. Point of Service HMO Managed healthcare service plan where those insured may choose the provider of their choice for medical service or go through a primary care physician who manages their care and utilizes participating hospitals, physicians and other providers within a specific network. People who choose providers within the network receive a higher level of benefits. The contract which effects insurance, or the certificate or insurance, and includes all attached clauses, riders, endorsements, and attached papers.