Helping you understand our language
To help you understand what medical terms are about, we’ve included this helpful glossary. We have also created a Frequently Asked Questions section for your reference.
An illness that is curable, i.e. the illness can be treated to a point where you are returned to your medical health condition prior to the illness occurring.
A phase where a chronic condition deteriorates and requires acute treatment to restore your health to the condition (though with a chronic illness still present) that it was prior to the acute phase.
A condition that cannot be cured and will remain as a feature of your medical health, e.g. Asthma. Chronic conditions can have acute phases. Cancer is not considered chronic by medical insurance companies.
The specific type of indemnifying that a policy offers.
Valid under the terms and conditions of the policy.
Terminology used to describe the whole market availability, not a specific private medical insurer.
Covering the policyholder for costs associated with eligible treatment required.
A company that underwrites and provides cover for the holder of private medical insurance.
Refers to treatment that relieves symptoms or pain but makes no attempt to cure the illness. The term is often used in relation to people with confirmed terminal cancer. However, giving oxygen to someone with advanced lung disease, putting someone with kidney failure on dialysis and giving somebody with an arthritic knee a walking stick are all palliative therapies. Palliative care and terminal care are not synonymous.
A person receiving treatment.
Private Medical Insurance, a generic term used in the industry for medical expenses insurance.
The term used for the contract that provides the cover.
The person who holds a policy.
A medical condition that is present before a policy is taken out.
Term used to describe the level of commitment of indemnifying a policyholder against their medical treatment needs.
Terms and Conditions
Contained within the policy wording and specifies exactly what the policy covers.
The actual medical assistance, etc. received by a patient.
A method of controlling the risk associated with covering pre-existing conditions.