Glossary

Glossary
Occupational Therapy (OT)
Refers to treatment and care associated with the development and/or restoration of fine motor skills, sensory integration, coordination, balance and other day-to-day skills such as dressing, eating, grooming, etc.
Oncology
Refers to treatment associated with tumours such as diagnostic tests, radiotherapy, chemotherapy and other hospital fees associated with the treatment of cancer.
Orthodontics
The dental practice and use of devices to restore teeth to proper alignment and function.
Orthomolecular Treatment
A form of complementary medicine that aims to prevent or treat diseases by correcting cell deficiencies on the molecular level with nutrients prescribed such as vitamins, minerals, enzymes, hormones, etc.
Osteopathy
Treatment based on the manipulation of bones and muscles.
Out of Area Cover
Refers to treatment and services that are outside your geographical area of cover (Worldwide, Europe, etc) that are none the less deemed eligible for treatment and reimbursement.
Out-Patient Surgery
A surgical procedure performed in a day-care or out-patient facility that does not require you to stay overnight in hospital.
Out-Patient Treatment
Refers to treatment provided in the practice or surgery of a medical practitioner, therapist or specialist that does not require the patient to be admitted to hospital.
Parental Accommodation
A benefit designed to provide cover for reasonable costs incurred by parents when having to stay in accomododation due to their child being admitted to hospital.
Payment Terms / Payment Frequency
International health insurance premiums can usually be paid for on a monthly, quarterly, semi-annual or annual basis. The lower the payment frequency, the lower your premium will be.
Periodontics
Refers to dental treatment related to gum disease.
Policy / Plan
Is a contract between the Insurer and the Insured which determines medical treatment, medical services and associated treatment claims which the insurance company is legally required to pay.
Policy Holder
The person who owns or is subscribed to an international health insurance policy.
Policy Wording
The policy wording is the exact offer from the insurance company to you. It is (usually) a document that contains full terms and conditions of the coverage offered, including any applicable exclusions, conditions and limitations to cover. Brokerfish always recommends you read this fully.
Post-natal Care
Refers to medical treatment received by the mother, the child or both after birth.
Pre-certification
Is a general term referring to the requirement that the insured must obtain authorisation / approval from the insurance company before proceeding with treatment if the treatment is to be deemed eligible for reimbursement.
Pre-existing Conditions
Medical conditions or any related medical conditions for which one or more symptoms have surfaced over a number of years (usually 1-5 depending on the Insurer) prior to commencement of cover.
Pre-natal Care
Treatment for women during pregnancy/prior to childbirth such as diagnostic tests.
Premium
The amount made payable to the insurance company according to your policy wording. Typically premiums can be made on a monthly, quarterly, semi-annual or annual basis. Premiums are determined by the Insurer based on a variety of factors but primarily age, level of cover, geographical area of cover, and country of residence.
Prescription Drugs
Pharmaceutical drugs available only on the prescription of a registered medical practitioner and available only from pharmacies.
Preventative Treatment
Refers to treatment that is undertaken without any symptoms being present at the time of treatment in order to promote and encourage good health to thereby prevent ill health.
Primary Care
A broad term referring to routine care of common health problems and chronic illnesses that can be managed on an out-patient basis.
Psychiatry
Cover associated with the diagnosis and treatment of mental disorders.
Psychotherapy
Refers to personal counselling used to treat problems of living such as depression.


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During my first year in Malaysia I had heard of Dengue but did not pay much attention to it. One day I developed fever and my body was aching. Just normal flu I thought but one of my Malaysian friends advised me to check if it was dengue or not and luckily enough I went to the hospital early. Upon a ...

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Excess
An excess / deductible is the amount you pay before the insurance company will pay for medical expenses. Selecting a high excess when you buy or renew your policy reduces your premium costs.
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