Private Business Intermediaries

Glossary

  • A

    • Accupuncturist
      A registered medical practitioner who is an accredited member of the British Acupuncture Council.
    • Accidental Dental Injury
      A sudden unforeseen external blow to the face, teeth or jaw which occurs at an identifiable place and time resulting in dental injury.
    • Acute Condition
      A disease, illness or injury that is likely to respond quickly to treatment which aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.
    • Advice
      Any consultation regarding any symptoms or abnormalities that you have experienced from a general Practitioner, Specialist, therapist or allied healthcare Specialist, or otherwise.
    • Alcohol, drug and substance abuse
      A condition, mental or physical, which is directly or indirectly related to alcohol, drug or substance abuse (unless the drug was prescribed by a General Practitioner or Specialist).
  • B

    • Benefit
      The maximum amount we will pay in any Policy year per insured person. This will be found in Table of Benefits of your policy document. The charges must be reasonable and customary.
    • Barrett’s Oesophagus
      Condition in which abnormal cell changes occur in the lower end of the gullet.
  • C

    • Chronic Condition
      A chronic condition is a disease, illness or injury which has one or more of the following characteristics: - It requires ongoing or long-term treatment to control manage the symptoms;
 - It requires your rehabilitation or for you to be specially trained to cope with it - It continues indefinitely - It has no known cure It comes back or is likely to come back It needs ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests.
    • Cancer
      A malignant tumour, tissues or cells, characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue. Please refer to our Cancer Guide.
    • Chiropodist
      An individual whose name appears on the practice register of The Society of Chiropodists and Podiatrists.
    • Chiropractor
      An individual whose name appears on the practice register of the General Chiropractic Council, holding full registration
    • Claim
      The costs incurred relating to a course of treatment undergone in relation to a specific acute medical condition that we have authorised in writing as an eligible benefit under the Policy.
    • Commencement date
      This is the date of the commencement of the contract with us, as stipulated in your Certificate of Insurance.
  • D

    • Dangerous occupations
      Defined as: a) Armed forces b) Roofers c) Stuntmen, fairground/circus workers d) Professional dancers e) Any occupation involving working at sea f) Any occupation involving work with explosives or open alcohol
    • Day-patient
      A patient who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery but does not occupy a bed overnight.
    • Dependant
      Your husband, wife, partner or unmarried child included on your policy. By partner we mean a person with whom you are cohabiting on a permanent basis. By child we mean you or your partner’s unmarried own, adopted or step children who are under 21 (or 25 if in full time education)
  • E

    • Emergency Dental Treatment
      Dental treatment required for the immediate relief of severe pain, trauma, swelling or haemorrhage.
    • Emergency Services
      Services usually carried out in an Accident and Emergency department or services carried out following admission into a hospital via an Accident and Emergency department or services carried out following emergency referral to the hospital by a General Practitioner or Specialist or any other person.
    • External Prosthesis
      Surgical/medical appliances, such as aids or equipment, that are required following an In-Patient stay has been selected.services carried out following emergency referral to the hospital by a General Practitioner or Specialist or any other person.
    • Experimental treatment
      A diagnostic, medical or surgical procedure, treatment or drug therapy that is considered experimental or unproven, or not based on established medical practice in the UK.
  • F

  • G

  • H

    • Health Assessment
      An examination performed by a primary care provider in order to determine an appropriate health plan if necessary.
    • Hazardous activities
      Defined as: a) Flying (including hot-air ballooning, hang gliding, gliding and micro-lighting) other than as a fare-paying passenger in a licensed passenger aircraft. b) Martial arts, boxing, wrestling or judo. c) Mountaineering, abseiling or rock climbing requiring the use of ropes and/or guides. d) Parachuting, free-fall parachuting, parasailing or parascending. e) Pot-holing. f) Bungee-jumping. g) Professional sporting activities of any kind. h) Gymnastics. i) Any form of swimming at a depth of 30 metres or more. j) Any form of swimming using breathing apparatus. k) Water-skiing.
  • I

  • J

  • K

  • L

  • M

  • N

  • O

  • P

    • Pre-exisiting
      A Pre-existing condition is a disease, illness or injury which has one or more of the following characteristics: - You have received medication, advice or treatment for it in the five years before your joining date. - You have experienced symptoms whether the condition has been diagnosed or not in the five years before your joining date.
    • Procedure Code
      A code used by Freedom Health to identify the type of treatment you will need to receive
  • Q

  • R

  • S

  • T

  • U

    • Underwriting
      Underwriting is the term used by health insurance providers that refers to the use of medical information to evaluate an application for coverage. A private medical insurance is designed to cover mostly new and acute conditions. However, policies have different types of underwriting that determine which conditions are covered and which are not.
  • V

  • W

  • X

  • Y

  • Z