1.8
Complications of pregnancy
relates to the health of the mother. Only the following complications
that arise during the pre-natal stages of pregnancy are covered: ectopic pregnancy, gestational
diabetes, pre-eclampsia, miscarriage, threatened miscarriage, stillbirth and hydatidiform mole.
1.9
Co-payment
is the percentage of the costs which the insured person must pay. These apply per
person, per Insurance Year, unless indicated otherwise in the Table of Benefits. Some plans may
include a maximum co-payment per insured person, per Insurance Year, and if so, the amount will be
capped at the amount stated in your Table of Benefits. Co-payments may apply individually to the
Core, Out-patient, Maternity, Dental or Repatriation Plans, or to a combination of these plans.
1.10
Day-care treatment
is planned treatment received in a hospital or day-care facility during the day,
including a hospital room and nursing, that does not medically require the patient to stay overnight
and where a discharge note is issued.
1.11
Deductible
is that part of the cost which remains payable by you and which has to be deducted from
the reimbursable sum. Where applied, deductibles are payable per person per Insurance Year, unless
indicated otherwise in the Table of Benefits. Deductibles may apply individually to the Core,
Out-patient, Maternity, Dental or Repatriation Plans, or to a combination of these plans.
1.12
Dental prostheses
include crowns, inlays, onlays, adhesive reconstructions/restorations, bridges,
dentures and implants as well as all necessary and ancillary treatment required.
1.13
Dental surgery
includes the extraction of teeth, apicoectomy, as well as the treatment of other oral
problems such as congenital jaw deformities (e.g. cleft jaw), fractures and tumours. Dental surgery
does not cover any surgical treatment that is related to dental implants.
1.14
Dental treatment
includes an annual dental check up, simple fillings related to cavities or decay and
root canal treatment.
1.15
Dependant
is your spouse or partner (including same sex partner) and/or unmarried children
(including any step, foster or adopted child) financially dependant on the policyholder up to the day
before their 18
th
birthday; or up to the day before their 24
th
birthday if in full time education, and also
named in your Insurance Certificate as one of your dependants.
1.16
Diagnostic tests
are investigations such as x-rays or blood tests, undertaken in order to determine
the cause of the presented symptoms.
1.17
Dietician fees
relate to charges for dietary or nutritional advice provided by a health professional
who is registered and qualified to practice in the country where the treatment is received. If included
in your plan, cover is only provided in respect of eligible diagnosed medical conditions.
1.18
Direct family history
exists where a parent, grandparent, sibling or child has been previously
diagnosed with the medical condition in question.
1.19
Emergency
constitutes the onset of a sudden and unforeseen medical condition that requires urgent
medical assistance. Only treatment commencing within 24 hours of the emergency event will be
covered.
1.20
Emergency in-patient dental treatment
refers to acute emergency dental treatment due to a
serious accident requiring hospitalisation. The treatment must be received within 24 hours of the
emergency event. Please note that cover under this benefit does not extend to follow-up dental
treatment, dental surgery, dental prostheses, orthodontics or periodontics. If cover is provided for
these benefits, it will be listed separately in the Table of Benefits.
6
Allianz Worldwide Care
Definitions
