NSG 6020 Midterm Study Guide | 100% Correct Answers | Verified | Latest 2024 Version
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Course
NSG 6020
Institution
NSG 6020
What age does bronchiolitis occur? - most common at age 6 months- does not occur after age 2
main symptom of bronchiolitis - wheezing-lasts about 7 days
most common cause of bronchiolitis - RSV
Treatment for bronchiolitis - No specific treatment
Order of lung exam - inspect, palpate, percuss, a...
Loss Exposure - ✔✔Any condition or situation that presents a possibility of loss, whether or not
an actual loss occurs.
Risk Management - ✔✔The process of making and implementing decisions that will minimize
the adverse effects of accidental losses on an organization
Loss Prevention - ✔✔A risk control technique that reduces the frequency of a particular loss
Loss Reduction - ✔✔A risk control technique that reduces the severity of a particular loss
Exposure Unit - ✔✔A fundamental measure of the loss exposure assumed by an insurer
Property-casualty Insurance - ✔✔One of the two main sectors of the insurance industry,
encompassing numerous types of insurance, most of which cover the financial consequences of
damage to one's own property or legal liability to others.
Life-health Insurance - ✔✔One of the two main sectors of the insurance industry, encompassing
numerous types of insurance that cover the financial consequences of death, injury or sickness
Utmost Good Faith - ✔✔An obligation to act in complete honesty and to disclose all relevant
facts
,Contract of Adhesion - ✔✔Any contract in which one party must either accept the agreement as
written by the other party or reject it.
Contract of Indemnity - ✔✔A contract in which the insurer agrees, in the event of a covered loss,
to pay an amount directly related to the amount of the loss
Self-Contained policy - ✔✔A single document that contains all the agreements between the
insured and the insurer and that forms a complete insurance policy.
Modular Policy - ✔✔An insurance policy that consists of several different documents, none of
which by itself forms a complete policy
Property Insurance - ✔✔Any type of insurance that indemnifies an insured who suffers a
financial loss because property has been lost, stolen, damaged, or destroyed
Liability Insurance - ✔✔Insurance that covers losses resulting from the insured's liability to
others.
Homeowners Policy - ✔✔Policy that covers most of the property and liability loss exposers that
arise out of residential property ownership and occupancy, as well as property and liability loss
exposures that individuals and families may have while they are away from their residencies.
,Personal Liability Coverage - ✔✔Coverage for damages, plus costs of any defense, related to a
claim or suit brought against the insured that resulted from bodily injury or property damage
caused by an occurrence covered under the policy.
Personal Auto Policy - ✔✔An insurance policy that coverts an individual or a family against loss
exposures arising out of the ownership, maintenance, or use of automobiles.
Comprehensive Coverage - ✔✔Coverage for direct and accidental loss or damage to a covered
auto by any peril except collision or overturn or a peril specifically excluded
Personal Watercraft Policy - ✔✔An insurance policy that covers an individual's or a family's loss
exposures arising out of the ownership, maintenance, or use of watercraft used principally for
recreational or personal transportation purposes.
Umbrella Liability Policy - ✔✔A liability policy that provides excess coverage above underlying
policies and may also provide coverage not available in the underlying policies, subject to a self-
insured retention.
Liability Coverage - ✔✔Coverage that protects the insured from damages owed because of legal
liability to another party. For auto policies, it protects insureds against liability arising out of the
ownership or operation of automobiles
Term Life Insurance - ✔✔Life insurance that provides coverage for a specified period, such as
ten or twenty years, with no cash value.
, Permanent Life Insurance - ✔✔Coverage Until Death
Long-term Care Insurance - ✔✔Insurance that pays for extended medical care or custodial care
received in a nursing home, hospital, or home.
Annuity - ✔✔A type of life insurance policy or contract that makes periodic payments to the
recipient for a fixed period or for life in exchange for a specified premium
Commercial Package Policy - ✔✔Policy that covers two or more lines of business by combining
ISO's commercial lines coverage parts.
Business Owners Policy - ✔✔A package policy that combines most of the property and liability
coverages needed by small and medium-sized businesses.
Commercial Auto Insurance - ✔✔Insurance that covers a business or a not-for-profit
organization loss exposures arising out of the ownership, maintenance, or use of automobiles.
Auto Physical Damage Coverage - ✔✔Coverage for damage to or theft of a covered auto that
can include both collision coverage and other than collision (comprehensive) coverage.
Commercial Property Insurance - ✔✔Insurance that covers commercial buildings and their
contents against various types of property loss.
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