Occurs where the insured property is so damaged that it ceases to be a thing of the kind insured; that is, it changes its specie. An example would be bags of cement which have been immersed in water.
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SHIF (Standard Health Insurance Fees)
These are the highest amounts your health insurance company will pay a provider for the services you receive. In the Cayman Islands this is set by the Health Insurance Commission: a look-up tool of SHIF can be found at: dhrs.gov.ky – then click on HIC and Standard Fees. Providers may charge you higher than the SHIF and can bill the patient for the additional amounts; thus you are encouraged to verify charges and coverage levels before services are rendered.