Glossary of terms
In-patient treatment
Treatment, which for medical reasons, means you have to stay in hospital overnight or for longer.
Day-patient treatment
Treatment, which for medical reasons, means you have to go into a hospital or day-patient unit because you need a period of supervised recovery but do not have to stay overnight.
Out-patient treatment
Treatment given at a hospital, consulting room or out-patient clinic where you do not go in for day-patient treatment or in-patient treatment.
Specialist
A medical practitioner with particular training in an area of medicine with full registration under the Medical Acts who is currently recognised as a specialist for benefit purposes in their field of practice.
Clinical practitioner
A dietician, nurse, orthoptist, physiotherapist, psychologist, psychotherapist or speech therapist who we recognise for benefit purposes.
Complementary practitioner
A practitioner in either acupuncture, homeopathy, osteopathy and chiropractic treatment.
Pre-existing condition
A medical condition which you already have when your policy starts or have had in the recent past.
Specified related condition
The medical conditions that are associated with the following pre-existing conditions: diabetes, raised blood pressure (hypertension) or undergoing monitoring as a result of Prostate Specific Antigen (PSA) test.
Chronic condition
A disease, illness or injury which has one or more of the following characteristics:
- It needs ongoing or long-term monitoring, through consultations, examinations, check-ups and /or tests
- It needs ongoing or long-term control or relief of symptoms
- It requires your rehabilitation or for you to be specially trained to cope with it
- It continues indefinitely
- It has no known cure
- It comes back or is likely to come back.
No Claim Discount
The discount awarded annually to a policyholder for not making a claim during the previous policy year.
No Claim Discount Protection
This enables you to make one claim without affecting your No Claim Discount. Available to a policyholder on our moratorium or full medical history underwriting terms, for an additional premium.
Underwriting methods
When you take out a Saga HealthPlan, you can choose from three different underwriting methods. Further information on health insurance underwriting methods.
Excess
The amount of money you pay towards your claim before any benefit becomes available.