Refusal by an insurance company to honor a request by an individual (or his or her provider) to pay for health care services obtained from a health care professional.
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Return of Cash Value
A provision or rider on a Life Insurance policy which states that if death occurs during a certain period of years (often 20), the policy will pay an amount, in addition to the face amount, that is equal to the cash value of the policy as of the date of death. This is really a form of Increasing Term Insurance and is used as a sales tool.