Day-care treatment

This is similar to In-Patient Treatment, but in most cases you will be ‘admitted’ to a hospital bed but not stay overnight in the hospital.

Death Benefit

A Death Benefit is an amount that shall be paid should the insured person pass away during the period of insurance as a result of sickness, illness or accident. Restrictions vary from Insurer to Insurer and plan to plan should the insured person(s) have a pre-existing and/or chronic condition(s).

Deductible / Excess

This is the amount of money that you must pay before the insurance company will start paying for medical expenses. Your deductible / excess is subtracted from your reimbursable sum when a claim is made. They can be per sickness/injury, per insurance period or per year and usually applies to each insured member of the policy separately.

For example, assume that you have bought an expatriate health insurance policy with a deductible / excess of "$500 per person per injury" and that unfortunately you break your leg. You go to hospital and receive treatment costing $1,000. In this case, you would need to pay the first $500 (your deductible amount) and your international medical insurance company would pay the remaining $500.

Dental prostheses

Amongst other things, dental prostheses usually includes or excludes cover for crowns, inlays, onlays, reconstructions, restorations, bridges, dentures and implants.

Dental surgery

Exact definitions differ from Insurer to Insurer however generally dental surgery refers to extraction of teeth, apicoectomy, treatment for jaw deformities, fractures and tumours. It does not cover surgical treatment that is related to artificial dental implants or wholly cosmetic.

Dependent

Refers to your spouse or partner (husband / wife / same sex partner) and children. Age definitions of children vary from Insurer to Insurer however they are usually eligible to be regarded as a child if they apply up until the day before their 18th birthday. Some Insurers will also accept 'children' up until the day before their 24th birthday if they are enrolled in full-time education.

Diagnostic tests

Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms. Exact definitions differ from Insurer to Insurer and plan to plan so it is worth checking the table of benefits and other supporting documentation.

Due date

Refers to the day on which your international expat health insurance policy premium must be paid for your policy to continue. Most insurance companies offer the following payment terms / frequency options: annually, bi-annually, quarterly and monthly. Failing to pay for your policy on your due date may terminate your policy.

Effective date

The date on which international health insurance coverage comes into effect / provides insurance cover.

Exclusions

Refers to conditions / situations / events which are not eligible for reimbursement under an international medical insurance policy. These usually include things like war, self-harm, terrorism, HIV/AIDS, cosmetic surgery, injuries arising from dangerous hobbies and usually, pre-existing conditions treated in the past two years.

Expatriate (Expat)

A person temporarily, or permanently, residing in a country and culture other than that of the person's upbringing or legal residence.