Pre-existing conditions

A condition that existed prior to joining a policy.

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Hospital & Guided Options

A provider will offer a choice of hospital lists. You will be able to choose the consultant and hospital that best suits you or, in the case of the Guided option the provider chooses a consultant for you – offering a choice of 3-4 consultants based on your health issue and where you live.
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In-patient

Treatment in a hospital bed that would incur an overnight stay.
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Out-patient

Private consultations, diagnostic tests or procedures, where you are not occupying a hospital bed for the whole day.
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Fee Schedule

List of procedures that your provider will pay for and the fee agreed with the hospital group.
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Acute Conditions

A condition that could get better such as broken bones, musculoskeletal, hernia, hips and knee replacements, cancer.
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Chronic Conditions

Conditions that need long term monitoring such as Alzheimer’s, Multiple Sclerosis, COPD and Crohn’s disease.
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Full Medical Underwriting

This is a method of joining a policy where medical history is declared on an application form.
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Standard Moratorium

A method of joining a policy where, any condition that existed in the previous five years will not be covered until there has been a two-year period with no advice, consultation, treatment or symptom.
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Continued Personal Exclusions

A method of switching to a new insurer where existed exclusions are carried over to the new insurer.
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Continued Moratorium

A method of switching to a new insurer where the moratorium period is continued.
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NCD

No Claims Discount.

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