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.
7
The following words or phrases have the meanings given below wherever they appear in this document,
Certificate of Insurance
and
Endorsements.