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



Where the patient has treatment in a hospital and has to stay overnight or longer. Most private medical insurance policies will cover inpatient care.


Group Income Protection insurance is an employee benefit offered by businesses designed to protect employee’s monthly earnings should they suffer an accident, sickness or unemployment.

Income protection can be both short and long term, and covers up to around 75% of basic annual salary.


An insurance provider is the company who cover and protect you against medical or other expenses.

Each provider will have a range of insurance ‘products’, which will include different types of insurance (for example, medical insurance vs. travel insurance) and different policies within those.

As one of the UK’s biggest private health insurance brokers, we work closely with all of the leading specialist health insurers.


Intermediary is just another term for a broker. An intermediary sits between an insurance provider and the customer, offering independent advice and helping the customer find and purchase cover.

The term applies only to those registered under the Insurance Brokers (Registration Act 1977).


International health insurance, is designed to give you access to first class medical care, wherever you are in the world. If you’re planning to live or work abroad for long stretches of time, this could be the ideal type of policy for you.

It’s important to remember that international insurance is different to travel insurance, which is designed for travel-related issues, emergency treatments and short-term cover. It’s also quite different to European Health Insurance and EHICs.

If you need any help in choosing the right type of insurance policy, simply contact our expert advisors .