Page 4 - ALC Health

Definitions
ACCIDENT
A sudden, unexpected or unforeseen event resulting in an
identifiable physical injury to an insured person.
ACCIDENTAL DAMAGE TO TEETH
Dental treatment received to restore or replace sound natural teeth
which have been lost or damaged as a result of an accident.
ACUTE
A medical condition that is likely to respond quickly to treatment
which aims to return you to the state of health you were in
immediately before suffering the disease, illness or accident , or
which leads to your full recovery.
ADVICE
Any consultation or discussion with a medical practitioner or
specialist, including check-ups and the issue of any prescriptions
(including repeat prescriptions).
APPOINTED DOCTOR
A medical practitioner chosen by us to advise us on your medical
condition and need for the evacuation or repatriation service.
AREA OF COVER
The area to which your cover is restricted. The available areas are
as defined below and your selection will be specified on your
Certificate of Insurance.
Area 1 - Europe (see page 14)
Area 2 - Worldwide excluding United States of America
Area 3 - Worldwide
If you are a USA passport holder, and you select this Area, your
cover in the USA will be restricted to the first 6 months spent there
during any one 12 month period.
BIRTH INJURY
A deformity or medical condition which is caused during childbirth.
CERTIFICATE OF INSURANCE
The Certificate giving details of the policyholder, the insured
persons, the period of cover , the date of entry and the level of
cover and any endorsements that may apply.
CHIROPODIST
A practising chiropodist who is registered and legally licensed to
practise chiropody in the country where treatment is provided.
CHRONIC
A medical condition which has at least one of the following
characteristics:
n It continues indefinitely and has no known cure
n It comes back or is likely to come back
n It is permanent
n You need to be rehabilitated or specially trained to cope with it
n It needs long term monitoring, consultations, check ups,
examinations or tests
COMMENCEMENT DATE
The date shown on the Certificate of Insurance on which the cover
provided by this policy starts.
COMPLEMENTARY TREATMENT
Therapeutic and diagnostic treatment that exists outside the
institutions where conventional medicine is taught. Such medicine
includes chiropractic treatment, osteopathy, homeopathy,
acupuncture, dietician and podiatry treatment as practiced by
approved therapists.
CONGENITAL ANOMALY
An intra-uterine development of an organ or structure that is
abnormal with reference to form, structure or position.
COUNTRY OF NATIONALITY
The country for which you are a passport holder.
COUNTRY OF RESIDENCE
The country in which you normally live at the time of the
commencement date or at each subsequent renewal date .
DATE OF ENTRY
The date shown on the Certificate of Insurance on which an
insured person was first covered under this policy.
DAY-PATIENT
An insured person who is admitted to a hospital bed but does not
remain in hospital overnight.
DENTAL PRACTITIONER
A person who is registered and is legally licensed to practise
dentistry in the country where treatment is provided.
DEPENDANTS
A spouse or adult partner and/or unmarried children, step-children,
legally adopted children and foster children who are under 25
years of age, permanently living with you or in full-time education.
Children will be accepted from birth, provided that we receive
notification of their arrival within 30 days from birth. Notification
received after this period will result in children being accepted for
cover from the date of such notification.
EVACUATION OR REPATRIATION
Moving you to another hospital which has the necessary medical
facilities either in the country where you are taken ill or in another
nearby country (evacuation) or bringing you back to your principal
country of residence or your home country (repatriation). The service
includes any necessary treatment administered by the international
assistance company appointed by us whilst they are moving you.
FOETAL SURGERY
Treatment given or undertaken on a foetus whilst in the womb.
HOSPITAL
An establishment which is legally licensed as a medical or surgical
hospital under the laws of the country in which it is located.
IN-PATIENT
An insured person who is admitted to a hospital bed and out of
medical necessity is required to stay for one or more nights.
INSURED PERSON/YOU/YOUR
You and/or the dependants named on the Certificate of Insurance
who are covered under this policy.
INTENSIVE CARE
Treatment in a defined intensive care unit, intensive therapy
unit, high dependency unit or coronary care unit, which provides
constant monitoring after surgical operation or illness.
MEDICAL CONDITION
Any accident, injury, illness or disease, including psychiatric illness.
MEDICAL PRACTITIONER
A general medical practitioner who holds primary degrees
in medicine or surgery as recognised by the World Health
Organisation and who is legally licensed to practise in the country
where treatment is provided.
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The following words or phrases have the meanings given below wherever they appear in this document, Certificate of Insurance and
Endorsements.