Health Insurance - Glossary Of Terms


Advice is defined as any consultation regarding symptoms or abnormalities that you have received from a General Practitioner, Specialist, therapist or other healthcare specialist.

Acute Condition

An Acute Condition is a disease, illness or injury that is likely to respond to treatment that should return you to full health.

Annual Renewal Date

The anniversary of the date your health insurance policy starts. When your renewal date is due, Usay Compare will search the market to make sure you are getting the best PMI policy for your money.


An Acupuncturist is a medical practitioner who specialises in acupuncture and is registered under the relevant Act, or a practitioner of acupuncture who is a member of the British Acupuncture Council (BAcC).


A health insurance broker works to match clients with a specialist insurance company or policy.

Certificate of Registration

The Certificate of Registration issued by the health insurance provider or the certificate which confirms:

  • The level of health cover
  • The people covered by the policy
  • Their dates of birth
  • The start date of the policy
  • The main address
  • How you have chosen to pay – including the amount and when the premium is due

Chronic Condition

A chronic condition is one that either requires ongoing treatment or monitoring, continues indefinitely, has no known cure, or could come back.

CT Scan

A CT Scan is a medical diagnostic tool that takes detailed internal images of body structures using a rotating x-ray beam.

Curative intent

Curative intent applies when treatment is administered with a reasonable expectation, both that it will restore the patient close to the state of health enjoyed prior to the disease being diagnosed, and the patient will be alive and disease free 5 years after commencement of the treatment.


A Day-Patient is someone who is admitted to a hospital or unit for medically supervised recovery and does not stay overnight.

Diagnostic Tests

Diagnostic tests are a series of investigations such as CT scans, MRI scans, blood tests and x-rays to determine the cause of health related symptoms.


An Excess is a way to reduce your health insurance premium by volunteering to pay the first part of any claim, up to a fixed amount of money, however, some insurers may include a compulsory excess on their policies.


Exclusions are anything that is not covered in your health insurance policy, for example medical treatment for injuries or illnesses sustained from drug abuse.


The FCA – or “Financial Conduct Authority”. Genuine health insurance intermediaries and brokers will always state their FCA registration number. You can check that the business is legitimate by looking them up on the FCA register:

Full Medical Underwriting

Full Medical Underwriting – this means that you provide your full medical history on application and the health insurance company may exclude cover for pre-existing conditions.

General Practitioner

A General Practitioner is a doctor who is on the GP register of the General Medical Council and has a Licence to Practice. In non-emergency cases your GP is the first person to see regarding your symptoms.

Group Policy

An annual contract of health insurance for a minimum number of employees in a company.


A Homeopath is a medical practitioner who specialises in homeopathy and is registered under the relevant Act, or a practitioner of homeopathy who holds full membership of the Faculty of Homeopathy.


An In-Patient is someone who occupies a bed in hospital for a night or longer while undergoing treatment for health conditions.


An intermediary is an insurance broker or agent who represents customers for insurance transactions. Insurance intermediaries are contracted with multiple insurance companies – empowering them to focus on matching their client's needs with the most suitable insurance products.


IPT or “Insurance Premium Tax” is a government imposed tax on insurance premiums in the United Kingdom, currently at 9.5%. All premiums quoted by Usay Compare include IPT.


A Moratorium is an application for insurance without medical disclosure. Generally, you will not be covered for any conditions that existed in the 5 years prior to taking out the policy but you may regain cover for those if they do not recur during the first 2 years of your new policy. This includes having symptoms of, treatment or medication for or advice about the condition. The moratorium definition varies from insurer to insurer.

MRI Scan

An MRI Scan is a medical tool used to diagnose symptoms by using magnets and radio frequency waves to capture cross sectional images of the body.


NICE stands for the National Institute for Health and Clinical Excellence.

No Claims Discount

A No Claims Discount is a discount that is awarded annually to a policyholder depending on their claims experience during the previous policy year.

No Claims Discount Protection

No Claims Discount Protection enables you to make one claim without adversely affecting your No Claim Discount.

Open Referral

An Open Referral is where your GP states that treatment is necessary and which type of specialist you require that treatment from, but does not specify the specialist’s name.


An Out-Patient is someone who attends hospital or a clinic but is not admitted as a day or in-patient and does not stay overnight.

Palliative Care

Palliative care is specialised medical care for people with serious illnesses, and relieves patients from symptoms, pain and stress.;

Personal Medical Exclusions

Exclusions or conditions that may be applied to your policy if you are fully medically underwritten on taking out your policy or on transfer.


A Physiotherapist is a medical practitioner who practises physiotherapy and is registered under the relevant act.


A Policy is a contract of insurance between you and your insurer.


A Practitioner is defined as a practising member of certain professions related to medicine. When a practitioner provides such services to you as part of your in or day-patient treatment those services will form part of the private hospital charges. The professions concerned range from dieticians, nurses and orthoptists to psychologists, psychotherapists and speech therapists.

Pre-Existing Condition

A pre-existing condition is a condition that you have previously suffered with, sought advice about or received treatment for.


The Premium is the sum of money you will pay to the health insurance company either annually or monthly in order to be covered for the cost of private treatment.

Reduced Hospital Cover

Reduced Hospital Cover is a way to reduce your health insurance premium by opting out of receiving treatment at certain high-end private hospitals.


Remission is a clinical state where a disease is suppressed and under control, or the patient is symptom free and apparently cured.

Remission of Cancer

Remission of Cancer is a clinical state in which there is no objective evidence of disease or the disease is under control and the patient is symptom free and apparently cured.

Six Week Wait

A Six Week Option may be offered by some private medical insurance policies and helps to reduce the cost of cover. If you opted for this when you took out cover and the NHS is able to provide treatment to you within six weeks, you will be treated on the NHS instead of claiming on your insurance policy. However, if the NHS is unable to provide treatment within six weeks you will be admitted to a private hospital, covered under your health insurance policy. This clause does not normally apply to consultations and tests.


A Specialist is a medical practitioner with particular training in an area of medicine (such as consultant surgeons, consultant anaesthetists and consultant physicians) with full registration under the Medical Acts.

Specified Condition

A Specified Condition is a medical condition that is associated with, for example, the following pre-existing conditions: diabetes, raised blood pressure (hypertension) or undergoing monitoring as a result of Prostate Specific Antigen (PSA) test.


Customers switching from an existing medical insurance policy to a new one on "switch" terms will continue to be covered for health conditions that arose since taking out their old health insurance policy, and will not face any extra exclusions.


A Therapist is a medical practitioner with full registration under the Medical Acts, who is a practitioner in osteopathy or chiropractic and, is registered under the relevant Act.


A Treatment can be defined as any medical diagnostics, surgery or services that are needed to relieve or cure an injury or illness.


When taking out a private medical insurance policy, you will be underwritten by the insurer on either a Moratorium, Switch, or Full Medical Underwriting basis. The choice of underwriting can affect the price, and may affect how you are covered for pre-existing conditions.