Energy Transfer Pads were designed to cool a patient by simulating water. immersion. The three-layered pads consist of an outer layer of insulated. foam, a middle layer of rapid water circulation, and a bottom hydrogel. layer which allows for safe skin application. Core body temperature is.
assignment clause. Provision in a life insurance policy that allows assignment of insurance to a third party (such as a lender) as a collateral. Life insurance policies are freely assignable, but casualty and property policies are not.
Rate deviations are applied against the base (manual) rate to reflect size of deductible, construction, occupancy, and loss control standards. A coinsurance condition in a property insurance policy is analogous to the need for a standard definition of payroll to compute workers compensation premium.