1.27
Home country
is a country for which the insured person holds a current passport and/or to which the
insured person would want to be repatriated.
1.28
Hospital
is any establishment which is licensed as a medical or surgical hospital in the country where
it operates and where the patient is permanently supervised by a medical practitioner. The following
establishments are not considered hospitals: rest and nursing homes, spas, cure-centres and health
resorts.
1.29
Hospital accommodation
refers to standard private or semi-private accommodation as indicated in
the Table of Benefits. Deluxe, executive rooms and suites are not covered. Please note that the
hospital accommodation benefit only applies where no other benefit included in your plan covers the
required in-patient treatment. In this case, hospital accommodation costs will be covered under the
more specific in-patient benefit, up to the benefit limit stated. Psychiatry and psychotherapy, organ
transplant, oncology, routine maternity, palliative care and long term care are examples of in-patient
benefits which include cover for hospital accommodation costs, up to the benefit limit stated, where
included in your plan.
1.30
Infertility treatment
refers to treatment for both sexes including all invasive investigative
procedures necessary to establish the cause for infertility such as hysterosalpingogram, laparoscopy
or hysteroscopy. In the case of InVitro Fertilization (IVF), cover is limited to the amount specified in
the Table of Benefits. If the Table of Benefits does not have a specific benefit for infertility treatment,
cover is limited to non-invasive investigations into the cause of infertility, within the limits of your
Out-patient Plan (if selected) and this does not apply to members of the Channel Islands Plan, for
whom investigation into infertility is excluded. Please note that for multiple birth babies born as a
result of medically assisted reproduction, in-patient treatment is limited to £24,900/€30,000/
US$40,500/CHF 39,000 per child for the first three months following birth. Out-patient treatment is
paid within the terms of the Out-patient Plan.
1.31
In-patient cash benefit
is payable when treatment and accommodation for a medical condition,
that would otherwise be covered under the insured’s plan, is provided in a hospital where no charges
are billed. Cover is limited to the amount and maximum number of nights specified in the Table of
Benefits and is payable upon discharge from hospital.
1.32
In-patient treatment
refers to treatment received in a hospital where an overnight stay is medically
necessary.
1.33
Insurance Certificate
is a document outlining the details of your cover and is issued by us. It
confirms that an insurance relationship exists between you and us.
1.34
Insurance Year
applies from the effective date of the insurance, as indicated on the Insurance
Certificate and ends exactly one year later.
1.35
Insured person
is you and your dependants as stated on your Insurance Certificate.
1.36
Laser eye treatment
refers to the surgical improvement of the refractive quality of the cornea using
laser technology, including necessary pre-operative investigations.
1.37
Local ambulance
is ambulance transport required for an emergency or out of medical necessity, to
the nearest available and appropriate hospital or licensed medical facility.
1.38
Long term care
refers to care over an extended period of time after the acute treatment has been
completed, usually for a chronic condition or disability requiring periodic, intermittent or continuous
care. Long term care can be provided at home, in the community, in a hospital or in a nursing home.
8
Allianz Worldwide Care
Definitions
