Glossary of terms

There are a few key words and phrases that you might not be familiar with. Our glossary of terms is designed to explain the most commonly used words and phrases to make things as clear as possible. If you would like further clarification, call us on 0800 015 0226.

Acupuncturist

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), and who, in all cases, meets our criteria for acupuncturist recognition for benefit purposes in their field of practice, and who we have told in writing that we currently recognise as an acupuncturist for benefit purposes in that field for the provision of out-patient treatment only. A full explanation of the criteria we use to decide these matters is available on request.

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.

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.

Excess

The amount of money you pay towards your claim before any benefit becomes available. Excesses are payable per person, per year.

Homeopath

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, and who, in all cases, meets our criteria for homeopath recognition for benefit purposes in their field of practice, and who we have told in writing that we currently recognise as a homeopath for benefit purposes in that field for the provision of out-patient treatment only.  A full explanation of the criteria we use to decide these matters is available on request.

In-patient treatment

Treatment, which for medical reasons, means you have to stay in hospital overnight or for longer.

No Claim Discount

The discount awarded annually to a policyholder depending on their claims experience during the previous policy year. Find out more information about No Claim Bonus.

No Claim Discount Protection

This enables you to make one claim without adversely affecting your No Claim Discount. Available to a policyholder on our moratorium or full medical history underwriting terms, for an additional premium.

Open referral

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.

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.

Physiotherapist

A medical practitioner who practises physiotherapy and who meets our recognition criteria for benefit purposes in their field of practice, and who we have told in writing that we currently recognise as a physiotherapist for benefit purposes. When such persons provide such services to you as part of your in-patient or day-patient treatment, those services will form part of the private hospital charges.

Practitioner

A practising member of certain professions allied to medicine who, in all cases, meets our recognition criteria for benefit purposes in their field of practice and who we have told in writing that we currently recognise as a practitioner for benefit purposes. When such persons provide such services to you as part of your in-patient or day-patient treatment those services will form part of the private hospital charges. The professions concerned are dieticians, nurses, orthoptists, psychologists, psychotherapists and speech therapists.

Pre-existing condition

A medical condition which you already have when your policy starts or have had in the recent past.

Specialist

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, who meets our criteria for specialist recognition and benefit purposes, and who we have told in writing that we currently recognise as a specialist or benefit purposes in their field of practice.

Specified 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.

Therapist

A medical practitioner with full registration under the Medical Acts, who is a practitioner in osteopathy or chiropractic, is registered under the relevant Act and who, in all cases, meets our criteria for therapist recognition for benefit purposes in their field of practice, and who we have told in writing that we currently recognise as a therapist for benefit purposes in that field or for the provision of out-patient treatment only.

Underwriting methods

When you take out a Saga HealthPlan, you can choose from three different underwriting methods. Further information on health insurance underwriting methods.


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