Are you confused by complicated health insurance jargon?! We’re here to help demystify the world of health insurance by providing you with the best advice, support and FREE quotes.
Our mission is to help provide the best access to the whole of the UK health insurance market – helping to compare quotes to find you the most suitable and affordable cover. Our team will not only provide you with quotes, but will guide you through the whole purchase process – from start to finish.
Below you’ll find a glossary of common terms used by insurance providers – these terms are often included in policies so it’s important you fully understand them before signing on the dotted line.
This is the normal anniversary of your policy; usually one year after the day you joined the policy. If you find cover via THIS – we’ll send you a reminder email so you never miss a policy renewal date.
When you have confirmed your health insurance cover, you’ll receive a ‘certificate of registration’ – this confirms:
Your level of cover
The person / people covered by the policy
Their dates of birth
The policy start date
Your main address
How you have chosen to pay
When you pay
The amount of your premiums
A chronic condition is a disease, injury or illness which falls under one of the following points:
It requires on-going or long-term treatment of symptoms.
It requires rehabilitation.
It has no cure or is likely to happen again.
It requires long-term treatments or monitoring.
This is a document that you and your insurance provider sign which provides the details of your claim and is what is often used to define what is covered by a policy.
If you have an existing policy written on a moratorium basis, you can transfer your policy to a different health insurance provider which will include the entire period covered by previous policy under the moratorium terms.
This aims to ensure that you have the same level of health insurance cover when you switch providers. If you have a policy which is fully medically underwritten, then your new policy will continue with your existing medical exclusions and no new exclusions will be added.
This is when treatment is administered with the reasonable expectation that it will help restore the patient to the state of health enjoyed prior to a diagnosis and with the expectation that the patient will be disease free 5 years after the treatment is provided.
This term is used to describe investigations such as x-rays, blood tests – anything that helps find the cause of your symptoms.
This term is used to describe treatments covered by your health insurance policy.
Also known as a full medical assessment, they are used to ask questions about your past and current health. These are used to inform you which previous/existing conditions are covered.
A contract with a minimum of 3 employees. They must be actively involved in the company. Two of those involved in the policy must live at different addresses.
This type of policy has automatic temporary exclusions, generally being pre-existing conditions from the last five years for a set period, usually being two years. However, it may include them after the two years.
A pre-existing condition is any illness, disease or injury in which you have already received medication, treatment and advice for or you have experienced symptoms before the start of your cover.
A medical practitioner who holds a licence to practise, whose name appears on the GMC Specialist Register and is certified as a specialist by a college or speciality body providing a regulatory function.
Surgical/medical services that are needed to diagnose, relieve or cure an illness, injury or a disease.
Purchasing health insurance can be a daunting task – that’s why we’re here to help! Our team of experts are here to help you find the right cover, for the right price. Complete our online form to receive a call back or call us on 0808 1018 999.
