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Glossary

Diagnostic tests
Procedures run to find the cause of disease or discomfort; tests used to make a diagnosis.

Ectopic pregnancy
An abnormal where the fertilised egg has implanted outside the uterus, usually in the fallopian tube, or rarely in the abdomen.

Exclusions
Treatments and conditions not covered by the health insurance policy.

Excess
The amount that you have to pay towards each and every claim that you make. If you take out an excess will ensure a reduction in your premium.

General NHS ward
This is a ward within an NHS hospital where there is generally no charge for the bed.

In-patient
An individual who is admitted to hospital for medical treatment for one or few nights.

Medical / Health insurance
Medical insurance is also known as Health insurance. They are exactly the same and are referred by different people with different terms. Medical insurance provides financial cover against any private medical treatment cost.

Moratorium
A moratorium is where your insurer doesn't cover any conditions which have existed in the five years prior to you joining. Conditions may become eligible if two clear years have passed during which you have been free of medication for, treatment for, and advice about that particular condition and any other disease, illness or injury related to it.

MRI scan (Magnetic Resonance Imaging)
A magnetic resonance imaging (MRI) scan is a technique that uses magnets and radio waves to produce two and three dimensional pictures of the inside of the body.

Out-patient
An individual treated in a hospital or clinic but does not have to stay overnight.

PET scan (Positron Emission Tomography)
A diagnostic technique that uses an injected radioactive substance to examine the metabolic activity of various body structures and a computer to construct the image.

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