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H.R. 10 plan

 
See Keogh Act.


Health insurance

 
Insurance covering medical expenses or income loss resulting from injury or sickness. Health insurance is a general category that includes many different types of insurance coverage, including hospital confinement insurance, hospital expense insurance, surgical expense insurance, major medical insurance, disability income insurance, dental expense insurance, prescription drug insurance, and vision care insurance. See also disability income insurance and medical expense insurance.


Health maintenance organization (HMO)

 
An organization that provides comprehensive health care services for subscribing members in a particular geographic area. People enrolled in an HMO pay dues in return for the right to health care services at a lower-than-average cost. See also group practice model (GPM) and individual practice association (IPA).


History statement

 
An Attending Physician's Statement concerning a specific health history admitted by the proposed insured.


Hold harmless release

 
A discharge stating that a payee will reimburse an insurance company if a subsequent claimant successfully challenges the disbursement of the policy's proceeds.


Home service agents

 
Exclusive or captive agents who work for home service companies and who collect premiums and provide service at the policy owner's residence. Home service agents offer monthly debit life, health, and fire insurance products as well as products for which premiums are billed by and remitted directly to the insurer. Some of their business may also be in industrial insurance. They market products primarily to middle and lower-middle income individuals and families. See also industrial insurance and monthly debit ordinary (MDO).


Home service distribution system

 
A distribution system which is used primarily for individual insurance products and which employs agents who collect premiums and provide service at the policy owner's residence. Each home service agent works within a defined geographical territory. Home service agents offer monthly debit life, health, and fire insurance products as well as products for which premiums are billed by and remitted directly to the insurer. Some market industrial insurance. The home service market is usually middle and lower-middle income individuals and families. . See also industrial insurance and monthly debit ordinary (MDO).


Home-office-to-home-office arrangement

 
A manufacturer-distributor arrangement in which an insurance company that chooses not to offer a particular product or product line agrees to act as a brokerage general agent for certain product lines manufactured by another insurer.


Hospital confinement insurance

 
A type of health insurance that provides a predetermined flat benefit amount for each day an insured is hospitalized. The benefit amount does not vary according to the amount of medical expenses the insured incurs, although some policies provide higher benefit amounts if the insured is in an intensive or cardiac care unit. Also called hospital indemnity insurance.


Hospital expense insurance

 
See hospital-surgical expense insurance below.


Hospital indemnity insurance

 
See hospital confinement insurance above.


Hospital-surgical expense insurance

 
A type of health insurance that provides benefits related directly to hospitalization costs and associated medical expenses incurred by an insured for treatment of a sickness or injury. Most hospital-surgical expense policies cover (a) hospital charges for room, board, and hospital services, (b) surgeon's and physician's fees during a hospital stay, (c) specified outpatient expenses, and (d) extended care services, such as convalescent or nursing home costs.


Hour of service

 
As defined by ERISA in the United States, an hour for which an employee is entitled to be paid or is paid. An hour of service can be earned while the employee is performing services for the employer or during a period in which no service is performed due to vacation, holidays, illness, or other paid leaves of absence. See also year of service.


HOW RECONCILED (Table: BANK_TRANSACTIONS_DONE)

 
A - transaction reconciled automatically M - transaction reconciled manually