1.49
Obesity
is diagnosed when a person has a Body Mass Index (BMI) of over 30 (a BMI calculator can be
found on our website:
).
1.50
Occupational therapy
refers to treatment that addresses the individual’s development of fine
motor skills, sensory integration, coordination, balance and other skills such as dressing, eating,
grooming, etc. in order to aid daily living and improve interactions with the physical and social world.
1.51
Oculomotor therapy
is a specific type of occupational therapy that aims to synchronise eye
movement in cases where there is a lack of coordination between the muscles of the eye.
1.52
Oncology
refers to specialist fees, diagnostic tests, radiotherapy, chemotherapy and hospital charges
incurred in relation to the planning and carrying out of treatment for cancer, from the point of
diagnosis.
1.53
Oral surgical procedures
refers to surgical procedures, such as, but not limited to, the removal of
impacted wisdom teeth, when carried out in a hospital by an oral or maxillofacial surgeon. We do not
cover procedures that can be carried out by a dentist unless the appropriate dental benefits form
part of your cover, in which case, cover will be subject to the limits of your dental benefits.
1.54
Organ transplant
is the surgical procedure in performing the following organ and/or tissue
transplants: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow,
parathyroid, muscular/skeletal and cornea transplants. Expenses incurred in the acquisition of organs
are not reimbursable.
1.55
Orthodontics
is the use of devices to correct malocclusion and restore the teeth to proper
alignment and function.
1.56
Orthomolecular treatment
refers to treatment which aims to restore the optimum ecological
environment for the body's cells by correcting deficiencies on the molecular level based on individual
biochemistry. It uses natural substances such as vitamins, minerals, enzymes, hormones, etc.
1.57
Out-patient surgery
is a surgical procedure performed in a surgery, hospital, day-care facility or
out-patient department that does not require the patient to stay overnight out of medical necessity.
1.58
Out-patient treatment
refers to treatment provided in the practice or surgery of a medical
practitioner, therapist or specialist that does not require the patient to be admitted to hospital.
1.59
Palliative care
refers to ongoing treatment aimed at alleviating the physical/psychological suffering
associated with progressive, incurable illness and maintaining quality of life. It includes in-patient,
day-care or out-patient treatment following the diagnosis that the condition is terminal and
treatment can no longer be expected to cure the condition. We will also pay for physical care,
psychological care as well as hospital or hospice accommodation, nursing care and prescription
drugs.
1.60
Periodontics
refers to dental treatment related to gum disease.
1.61
Podiatry
is covered under the Channel Islands Plans only and refers to medically necessary
treatment carried out by a State Registered Practitioner with an Honours degree (BSc Hons) in
podiatry as approved by the Chiropodists' board of the Council for the Professions Supplementary to
Medicine. The practitioner must also hold a further accreditation such as: MChS (Member of The
Society of Chiropodists & Podiatrists), FChS (Fellow of The Society of Chiropodists & Podiatrists) or
FCPodS (Fellow of the College of Podiatrists of The Society of Chiropodists & Podiatrists).
1.62
Post-natal care
refers to the routine post-partum medical care received by the mother, up to six
weeks after delivery.
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