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A handy jargon buster to help you understand some health insurance terminology.

 

DATE OF EXPIRY

This is the date your insurance cover ends. Most policies will try to renew (repeat for another year) rather than just end and leave you out of cover. Should you choose not to renew, your date of expiry will be the last day you are covered.

DAY-PATIENT

Where the patient has treatment and usually returns to a hospital bed but goes home the same day, without needing to stay overnight. Some of the more comprehensive medical insurance policies may cover this kind of treatment.

DEATH IN SERVICE

Employers can offer death in service insurance, a benefit which provides financial protection to an employee’s loved ones should they die while in your employment.

DEDUCTIBLE

A deductible is the amount that you pay for your health care and treatments before your insurance policy ‘kicks in’ and starts covering your costs.

DENIAL OR REJECTION OF CLAIM

A Denial or Rejection of Claim occurs when an insurance company refuses to pay for the cost of health care claimed for.

There are a couple of reasons why this could happen:

  • Non-Disclosure: This means that the insurance providers did not receive all the information they needed to pay out on a claim. For example, you could have failed to supply all the relevant documents, or could have left out vital information about pre-existing medical conditions when taking out the policy.
  • Conditions not met: This is when the event of the claim wasn’t covered by the insurance policy in the first place. For example, a basic private medical insurance policy that covered in-patient treatment only would likely deny or reject a claim for the cost of seeing a private GP.
DENTAL INSURANCE

A dental insurance policy allows you to choose your own dentist and access swift treatment, without the worry of unexpected costs.

You can have an individual or family dental plan, or access a corporate Dental Insurance scheme through your work.

Dental insurance can be separate to or part of your private medical insurance, depending on your needs and budget.

DENTAL PROSTHESES

A dental prostheses is a device or appliance that is used to replace missing teeth and/or dental structures. These include dental crowns, bridges, dentures, implants and adhesive reconstructions.

DEPENDANT

A dependant is a person who depends on someone else for financial support – for example, a child under the age of 18.

DEPENDANTS PENSION INSURANCE

Dependant’s Pension Insurance pays a regular taxable pension income to your employee’s dependants in the case of death.

It works differently to Death In Service Insurance which pays a tax-free lump sum instead.

DIABETES

Diabetes is a chronic health condition caused by the failure of the body to produce insulin at all or in sufficient quantity, or the body does not react as it should to the hormone.

Read more about Diabetes and Health Insurance.

DIAGNOSTIC TESTS

A diagnostic test is how your doctor or consultant gathers information to find out more about your condition. Diagnostic tests can include:

  • Physical examinations
  • Blood tests
  • X-Rays
  • Biopsies
  • CT, PET, EEG or MRI scans

Diagnostic tests are usually classed as ‘outpatient treatments’, so are not always covered by private health insurance policies.

DIRECT SETTLEMENT DIRECT,SETTLEMENT

An arrangement whereby medical costs are settled directly by the insurer. This means a policyholder doesn’t need to worry about having to settle bills and then reclaim them. It is simple and removes unnecessary administration.