HIV Human Immunodeficiency Virus.
HMO health maintenance organization.
hazard Any factor that creates or increases
the chance of loss.
A physical hazard is created by the condition, occupancy or use of
the property itself. Examples include faulty brakes increasing the
chance of collision and faulty electrical wiring increasing the chance
A moral hazard is a subjective characteristic of the insured that
increases the chance of loss. Examples include arranging an accident
to collect the insurance and inflating the amount of a claim.
A morale hazard is carelessness or indifference to a loss because
of the existence of insurance. Leaving the car keys in an unlocked
car is such an example.
health insurance This term has
become accepted by the industry for the branch which includes all types
of loss of time and medical expense insurance. It is also known as accident
and health insurance, sickness and accident insurance, etc.
hired car An automobile of which the
exclusive use and control has been temporarily given to another for
a consideration. This should be distinguished from contract hauling,
since in the latter case the owner retains control of the movements
of the vehicle and simply agrees to furnish transportation.
An agreement by which one party assumes the liability of another. Hold-harmless
agreements are often found in leases; the lessee (tenant) agreeing to
assume the lessor's (landlord's) liability if members of the public
are injured through some faulty condition in the premises occupied by
hospital benefits Additional
benefits payable under an accident, health or disability policy in case
the insured is confined to a hospital.