1.63
Pre-existing conditions
are medical conditions or any related conditions for which one or more
symptoms have been displayed at some point during your lifetime, irrespective of whether any
medical treatment or advice was sought. Any such condition or related condition, about which you or
your dependants could reasonably have been assumed to have known, will be deemed to be
pre-existing. Conditions arising between completing the relevant application form and the start date
of the policy will equally be deemed to be pre-existing. Such pre-existing conditions will also be
subject to medical underwriting and if not disclosed, they will not be covered. Please refer to the
“Notes” section of your Table of Benefits to confirm if pre-existing conditions are covered.
1.64
Pregnancy
refers to the period of time, from the date of the first diagnosis, until delivery.
1.65
Pre-natal care
includes common screening and follow-up tests as required during a pregnancy. For
women aged 35 and over, this includes Triple/Bart’s, Quadruple or Spina Bifida tests, amniocentesis
and DNA-analysis, if directly linked to an eligible amniocentesis.
1.66
Prescribed drugs
refers to products prescribed by a physician for the treatment of a confirmed
diagnosis or medical condition, or to compensate vital bodily substances including, but not limited to,
insulin, hypodermic needles or syringes. The prescribed drugs must be clinically proven to be
effective for the condition and recognised by the pharmaceutical regulator in a given country.
Prescribed drugs do not legally have to be prescribed by a physician in order to be purchased in the
country where the member is located; however, a prescription must be obtained for these costs to be
considered eligible.
1.67
Prescribed glasses and contact lenses including eye examination
refers to cover for an eye
examination carried out by an optometrist or ophthalmologist (one per Insurance Year) and for lenses
or glasses to correct vision.
1.68
Prescribed medical aids
refers to any instrument, apparatus or device which is medically prescribed
as an aid to the function or capacity of the insured person, such as hearing aids, speaking aids
(electronic larynx), crutches or wheelchairs, orthopaedic supports/braces, artificial limbs, stoma
supplies, graduated compression stockings as well as orthopaedic arch-supports. Costs for medical
aids that form part of palliative care or long term care (see definitions 1.59 and 1.38) are not covered.
1.69
Prescribed physiotherapy
refers to treatment by a registered physiotherapist following referral by a
medical practitioner. Physiotherapy is initially restricted to 12 sessions per condition, after which the
treatment must be reviewed by the referring medical practitioner. Should further sessions be
required, a progress report must be submitted to us, which indicates the medical necessity for any
further treatment. Physiotherapy does not include therapies such as Rolfing, Massage, Pilates, Fango
and Milta therapy.
1.70
Prescription drugs
refers to products, including, but not limited to, insulin, hypodermic needles or
syringes, which require a prescription for the treatment of a confirmed diagnosis or medical condition
or to compensate vital bodily substances. The prescription drugs must be clinically proven to be
effective for the condition and recognised by the pharmaceutical regulator in a given country.
1.71
Preventive treatment
refers to treatment that is undertaken without any clinical symptoms being
present at the time of treatment. An example of such treatment is the removal of a pre-cancerous
growth (e.g. mole on the skin).
1.72
Principal country of residence
is the country where you and your dependants (if applicable) live for
more than six months of the year.
12
Allianz Worldwide Care
Definitions
