Date of Service

The date that the health service was provided.

Declaration

Part of a property or liability insurance policy that states the name and address of policyholder, property insured, its location and description, the policy period, premiums and supplemental information. Referred to as the “dec page.”

Deductible

Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not get receive any reimbursement later from insurance company for the deductible you pay.

Denial of Claim

Refusal by an insurance company to honor a a request by an insured (or his/her healthcare provider) to pay for healthcare services. This would usually be due to pre-existing conditions.

Dependent

The insured student’s spouse residing with the insured student; or the insured student’s unmarried child or children over the age of fourteen(14) days (including step children if dependent on the insured student), and under the age of nineteen (19) years, who are not self-supporting and who reside with the insured student.

Dependent Coverage

Insurance coverage on the head of a family which is extended to his or her dependents, including only the lawful spouse and unmarried children who are not yet employed on a full-time basis.

Diagnosis

The process of identifying a disease.

Dismemberment

The loss of, or loss of use of, specified members of the body resulting from accidental bodily injury.

Dismemberment Benefit

The benefits payable for various types of dismemberment. See also Accidental Death and Dismemberment.

Doctor

A licensed practitioner of the healing arts acting within the scope of his or her license and practice.

Duplicate Coverage Inquiry

A request to determine whether or not other coverage exists. Used to apply the coordination of benefits provisions where two or more insurance companies are involved.

Duplication of Benefits

A situation where identical or overlapping coverage exists between two or more insurance companies or service organizations.