Chapter 6-11 Flashcards Preview

Law & Ethics > Chapter 6-11 > Flashcards

Flashcards in Chapter 6-11 Deck (79)
Loading flashcards...
1

Aggregate limit

the maximum dollar amount your insurer will pay in total to settle your claims over the entire period of coverage

2

Claims-made policy

insurance policy in which coverage is triggered on the date that the insured first becomes aware of the possibility of a claim and notifies the insurer.

3

Declarations page

Portion of a liability insurance policy that provides basic information, including what is insured, for how much, under what circumstances, and the length of time the policy is in effect.

4

Exclusions

Provision within an insurance policy that eliminates coverage for certain acts, types of damage, or locations.

5

Occurrence-basis policy

An insurance policy that covers claims taking place during the policy period, regardless of when claims are made.

6

Policy jacket

Binder or folder containing an insurance policy, in many instances, it lists provisions common to several types of policies.

7

Premium

The amount of money an insurer charges to provide the coverage described in the policy.

8

Prior acts coverage

Insurance coverage for incidents that occur before the start of the policy but whose claims are made during the policy period.

9

Rider

An add on provision to a basic liability insurance policy that provides additional benefits to the policyholder at an additional cost.

10

Tail coverage

Provision of a claims made liability policy that allows the insured to purchase coverage for claims made during a specified time period after the end of the policy.

11

Umbrella policy

Liability insurance policy that provides protection against claims that are not covered, or are in excess of the amount covered, under a basic liability insurance policy.

12

Statutory reporting

legal responsibility of healthcare professionals to report vital information and incidence to the appropriate agencies for the protection and welfare of the general publice

13

Strict liability

A person places another person in danger, even in the absence of negligence, simply because he is in posession of dangerous product, animal or weapon

14

terminally ill

relating to an illness where the patient has an expected survival of less than 6 months

15

Thanatology

The study of the effects of death and dying. Especially ways to lessen the suffering and address the needs of the terminally ill and their survivors.

16

Trespass

An unlawful intrusion that interferes with one's person, property or land

17

uniform anatomical gift act

allows a person to make an anatomical gift at the time of death by the use of a signed document such as a will or driver's license.

18

Uniform determination of death act

provides a comprehensive and medically sound basis for determining death in all situations.

19

Uniform rights of the terminally ill act

Allows a person to declare a living will specifying that he or she does not wish to be kept alive through life support if terminally ill or in a coma

20

Unintentional tort

An unintended wrong against another person

21

Vicarious liability

the liability of an employer for the actions of its designated agents

22

vital statistics

community wide recording of individual key human events such as births, deaths, marriages or divorces.

23

Voluntary euthanasia

Conscious medical act that results in the death of a patient who is given consent

24

explicit consent

individual is clearly presented with an option to agree or disagree or to express a preference or choice. Often verbally or written

25

False imprisonment

Restraint of a person so as to impede his or her liberty without justification or consent

26

Good samaritan law

law providing immunity for those who render healthcare for an emergency or disaster without reimbursement.

27

healthcare proxy

legal document in which an individual designates another person to make healthcare decisions if he or she is rendered incapable of making his or her wishes known.

28

Hospice

program involving multidisciplinary group of medical professionals available to aid in support of the terminally ill and their families

29

implied consent

consent that is not expressly granted by a person but rather inferred from a person's actions and the facts and circumstances in a specific situation.

30

informed consent

same as consent, but in the medical field, more detailed, listing and covering all possible risks and potential prognoses for having a treatment or procedure done and the alternatives available.