Hazard
A circumstance that increases the likelihood or probable severity of a loss. For
example, an unattended lit cigarette is a hazard that increases the likelihood of
a fire.
Health Insurance
Insurance for financial relief resulting from illness or accidental bodily
injury/injurie. Included under this heading are various types of insurance such as accident
insurance, disability income insurance, medical expense insurance, and accidental
death and dismemberment insurance.
Hospital Expense
Insurance
Health insurance protection against
the cost of hospital care resulting from the illness or injury of the insured person
Hospital indemnity
A form of
health insurance which
provides a stipulated daily, weekly, or monthly indemnity during hospital confinement.
The indemnity is payable on an unallocated basis without regard to the actual expense
of hospital confinement.
House Breaking
When the theft is committed entering into or out of the premises stealthily.
Hull Insurance
Class of ocean
marine insurance that covers physical
damage to the ship or vessel insured. Typically written on an "all-risks"
basis