{"id":1846,"date":"2020-11-19T09:10:03","date_gmt":"2020-11-19T05:10:03","guid":{"rendered":"https:\/\/moneymall.ae\/credit-blog\/?p=1846"},"modified":"2020-11-19T09:25:37","modified_gmt":"2020-11-19T05:25:37","slug":"insurance-dictionary","status":"publish","type":"post","link":"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/","title":{"rendered":"An Insurance Dictionary for Beginners"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The biggest hindrance you can face while reading through contracts and policies for new insurance coverage is the insurance language being used. The terminology is so complicated that it can often make your experience seem a lot more difficult than it actually is. So, here are a few terms that you will come across while getting your insurance&#8230;\u00a0<\/span><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Insurance_Dictionary\"><\/span>Insurance Dictionary<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<figure id=\"attachment_1847\" aria-describedby=\"caption-attachment-1847\" style=\"width: 444px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/54040081-insurance-definition-word-text-in-dictionary-page\/\" rel=\"attachment wp-att-1847\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-1847\" src=\"https:\/\/moneymall.ae\/credit-blog\/wp-content\/uploads\/2020\/11\/Insurance-Definition-Word-Text-in-Dictionary-Page.jpg\" alt=\"insurance dictionary\" width=\"444\" height=\"296\" \/><\/a><figcaption id=\"caption-attachment-1847\" class=\"wp-caption-text\">insurance dictionary<\/figcaption><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2334e9e83f9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2334e9e83f9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Insurance_Dictionary\" >Insurance Dictionary<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Insurance\" >Insurance:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Insurance_Broker\" >Insurance Broker :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Declaration\" >Declaration :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Premium\" >Premium :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Insurance_Agent\" >Insurance Agent :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Deductible\" >Deductible:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Endorsement\" >Endorsement :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Beneficiary\" >Beneficiary :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#IBNR\" >IBNR :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Pooling\" >Pooling :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Public_adjuster\" >Public adjuster :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Policy_holder\" >Policy holder:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#General_Liability\" >General Liability:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Negligence\" >Negligence :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Warranty\" >Warranty :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Underwriter\" >Underwriter :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Clause\" >Clause :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Rider\" >Rider :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Coinsurance\" >Coinsurance :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Catastrophic_event\" >Catastrophic event :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Indemnification\" >Indemnification :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Copayment\" >Copayment :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Exclusion\" >Exclusion :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Actuary\" >Actuary :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Conditions_precedent_to_liability\" >Conditions precedent to liability:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/moneymall.ae\/credit-blog\/insurance-dictionary\/#Providerservice_network\" >Provider\/service network :<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Insurance\"><\/span><b>Insurance:\u00a0 <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Economic device whereby the individual or business pays a cost (premium) in exchange for protection against financial loss. The agreement is a contract also known as an insurance policy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Insurance_Broker\"><\/span><b>Insurance Broker :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Represents the interests of the insured in searching for insurance coverage at the lowest cost and highest benefit to the insured. The broker may also be an agent of the insurer for purposes of policy collection and delivery of the policy.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Declaration\"><\/span><b>Declaration :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b> <\/b><span style=\"font-weight: 400;\">Part of the insurance policy that identifies the named insured, policy period and limit of insurance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Premium\"><\/span><b>Premium<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> The premium is what you will be paying in order to be covered by your insurer, it can be paid monthly or yearly.\u00a0 This is your bottom line.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Insurance_Agent\"><\/span><b>Insurance Agent :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The insurance company representative who sells policies on behalf of the insurer. An independent agent represents more than one company; a captive agent represents only one company.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Deductible\"><\/span><b>Deductible<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is the amount you will be responsible to pay from a claim before your policy kicks in. So for example, if your claim is for AED 1000 and your deductible is AED 300.\u00a0 Then you have to pay AED 300 and your insurer will pay the remaining AED 700.\u00a0 Deductibles vary from policy to policy, some are yearly, some are according to each claim, so make sure you know how much it is and what kind it is.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Endorsement\"><\/span><b>Endorsement :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A written agreement attached to the insurance policy which alters the provisions of the contract.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Beneficiary\"><\/span><b>Beneficiary<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> And this is basically the person who reaps the rewards of the policy.\u00a0 So for example with life insurance, the beneficiary would be the one to receive the money if someone passes away.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IBNR\"><\/span><b>IBNR :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b> <\/b><span style=\"font-weight: 400;\">Incurred but not reported losses. This is for losses that have occurred during a stated period, usually a calendar year but have not yet been reported to the insurer.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pooling\"><\/span><b>Pooling : <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The method by which each member of an insurance pool shares in every risk written by other pool members.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Public_adjuster\"><\/span><b>Public adjuster :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hired by the insured, an adjuster who operates independently from insurance companies to investigate and settle claims.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Policy_holder\"><\/span><b>Policy holder:<\/b><span style=\"font-weight: 400;\">\u00a0 <\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is the person under whose name the policy is registered.\u00a0 They may be different from the beneficiary.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"General_Liability\"><\/span><b>General Liability: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance to protect an owner or operator of a business from a wide range of liability exposures.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Negligence\"><\/span><b>Negligence :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Failure to use that degree of care which an ordinary person of reasonable prudence would use to protect others from harm.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Warranty\"><\/span><b>Warranty<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> No we don\u2019t mean the warranty on your new TV.\u00a0 In this case, warranty is the condition included in your contract which you have to abide by in order for your coverage to remain valid.\u00a0 Some examples of such conditions are keeping your valuables in a safe for home insurance or keeping your car locked for car insurance.\u00a0 Make sure to review your warranties and be diligent in following them.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Underwriter\"><\/span><b>Underwriter :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b> <\/b><span style=\"font-weight: 400;\">The professional responsible to assess the merits of each risk and decide a suitable premium for accepting all or part of the risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Clause\"><\/span><b>Clause :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b> <\/b><span style=\"font-weight: 400;\">A section of an insurance policy dealing with various coverages, exclusions, duties of the insured, locations covered and conditions that terminate coverage.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Rider\"><\/span><b>Rider :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An endorsement to an insurance policy that modifies its clauses and provisions, including or excluding certain conditions from coverage.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Coinsurance\"><\/span><b>Coinsurance<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Similar to the deductible, coinsurance is a set percentage that you have to pay off the claim.\u00a0 After your deductible has been applied you may have a coinsurance of 20% which means you have to pay 20% of the claim and your insurer pays 80%.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Catastrophic_event\"><\/span><b>Catastrophic event :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An event that causes loss to many people at once. Also called catastrophe, several examples are tornados, hurricanes and plane crashes.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Indemnification\"><\/span><b>Indemnification :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b> <\/b><span style=\"font-weight: 400;\">Insurance principle which states that the insured, after a loss, should be restored in whole or in part by payment, repair or replacement by the insurer.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Copayment\"><\/span><b>Copayment<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> Yes, we know the words are all starting to sound the same but copay is a bit different than coinsurance.\u00a0 With the copay clause which is usually related to health insurance, there is a flat fee that you have to pay before visiting a physician, for example, or collecting a prescription.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exclusion\"><\/span><b>Exclusion<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> A little more straightforward, exclusions are everything that isn\u2019t covered by your policy.\u00a0 Something to definitely read and understand thoroughly.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Actuary\"><\/span><b><br \/>\n<\/b><b>Actuary :<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A professional trained in the mathematics of insurance and risk management, including the calculations of premiums, policy reserves and other values.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conditions_precedent_to_liability\"><\/span><b>Conditions precedent to liability:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0This term we rarely hear of but it is important because this is everything you have to do before you are eligible to be covered by the insurer.\u00a0 One of the most common is the notification period for claims and another may be making a police report within a specific time frame when you are robbed for example.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Providerservice_network\"><\/span><b>Provider\/service network<\/b><span style=\"font-weight: 400;\"> :<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"> This is basically the network of providers that will be doing the work when you file a claim whether it is the network of physicians, or hospitals, or car garages.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The biggest hindrance you can face while reading through contracts and policies for new insurance coverage is the insurance language 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