Glossary

Glossary
Liability
A hindrance or obligation to pay money to another party.
Lifetime Maximum / Maximum Benefit / Policy Maximum
The maximum amount that the insurance company will pay out during the entire term of the insurance policy.
Loading (Premium loading)
The amount that an insurance company adds to the basic premium to cover those that are applying. Sometimes premium loading is applied during the application process if you would like to cover pre-existing conditions.
Local Ambulance
Is ambulance transport that is required in the event of emergency or otherwise deemed medically necessary to transport an insured person(s) to hospital.
Local Plan
Short hand for private health insurance in countries that are outside an expatriate's home country that is primarily designed to cater to the local population.
Long Term Care
Refers to treatment and care over a long period of time after emergency / acute treatment has been completed. International health insurance plans can offer reimbursement for care at home, in a community, a hospital or nursing home, however, it is important to check restrictions/exclusions.
Managed Care
A broad term used to describe any system that manages healthcare delivery with the aim of controlling costs. In international health insurance this is encouraged by insurance companies through the use of primary care physicians, or by encouraging the use of a specific network of healthcare providers.
Maternity
Refers to cover for medical costs incurred during pregnancy and childbirth, including hospital charges, specialist fees, mother's pre- and post-natal care, as well as newborn care.
Medical Aids
Any instrument or device that is designed to help or increase the function of the insured person. Typically medical aids would include hearing aids, speaking aids, wheelchairs, crutches, braces and artificial limbs. Many Insurers have restrictions/exclusions in respect of these.
Medical Evacuation
Refers to reimbursement to cover transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby. It may also cover additional expenses such as the cost of a return flight back to the insured's principle country of residence.
Medical History Disregard (MHD)
Refers to insurance companies waiving pre-existing conditions of one or more insured members. Typically, group schemes of 20 or more people can offer MHD meaning that members suffering from pre-existing conditions can receive treatment and claim medical expenses that arise as a result of their pre-existing condition or associated conditions.
Medical Necessity
Is the determination that a person requires medical treatment and services.
Medical Practitioner
Is a physician who is licensed to practice medicine under the law of the country in which treatment is given.
Medical Practitioner Fees
Refers to costs / bills arising from treatment performed or administered by a medical practitioner.
Medical Questionnaire
Asked during the application process, this is a document that applicants use to provide details of their medical history such as pre-existing or chronic condition details. It is used in conjunction with the general application form to determine if an applicant is insurable and at what price or not.

Disclosing details of your medical history allows the insurance companies to better assess your case during the application process and can quicken approval.
Medical Repatriation
Refers to a policy benefit that covers costs for transport to your home country to be treated in familiar surroundings. It also sometimes covers costs for the return trip back to your principle country of residence.
Medical Underwriting
The process of determining if you are insurable or not based on your medical history.
Membership
Refers to when you are enrolled on / covered under an international health insurance policy.
Midwife Fees
This refers to fees charged to assist women during pregnancy, labour and postpartum period by a midwife (birth assistant).
Moratorium Cover
Moratorium cover refers to after a period of time has elapsed of continuous cover, some pre-existing medical conditions will become eligible for benefit. Pre-existing conditions will be covered after a set period only if you haven\'t consulted with any doctor or specialist for advice or treatment or if you haven\'t suffered any symptoms for that medical condition or any related condition for a continuous period determined by the Insurer.

Moratorium cover allows you to get cover for pre-existing conditions provided that your condition appears to have fully subsided.
MRI Scan
Magnetic resonance imaging is primarily used to visualise the internal structure and function of the body. It provides detailed images of the body in any plane. MRI has much greater soft tissue contrast than Computed tomography (CT) making it especially useful in neurological diseases.
Natural Disaster Benefit
Provides cover in the event of natural disasters such as floods, tornados, volcano eruptions, earthquakes or landslides.
Newborn Care
A specific medical maternity benefit associated with examinations and diagnostic test required to determine the health of a newborn child. They are carried out immediately following childbirth. Some plans but not all, also include more comprehensive diagnostic newborn tests such as blood type and hearing. If problems are discovered, then sometimes Insurers may include cover for more complex medically necessary treatment and diagnostic tests.

Refer to the full policy wording or speak to a BrokerFish consultant should you require clarification with regard to newborn care under a particular plan.
No Claims Discount
Refers to a discount that you can potentially receive should you renew your policy on condition that you haven't filed any claims over the insurance year. Not all insurance companies offer a no claims discount.
No Cover
Found in the table of benefits, "no cover" refers to a specific benefit that the insurance company will not provide reimbursement for.
Nursing at home
Refers to treatment and / or care at your home typically for patients that require long term attention or those suffering from chronic conditions.


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International plans can usually be paid for on a monthly, quarterly, bi-annual and annual basis. Pay on an annual basis and save as much as 20% on your premium.
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