Hazardous Sports Cover

Refers to cover for "dangerous" sporting activities such as but not limited to mountaineering, hang gliding, parachuting, bungee jumping, motor vehicle racing, snow mobiling, skiing and snow boarding.

Home Country

Is the country for which the insured person holds a current passport and/or to which the insured person would want to be repatriated.


A form of alternative medicine that attempts to treat patients with heavily diluted preparations which are claimed to cause effects similar to the symptoms presented.

Hospital / Provider Network

A directory / list of medical providers which are recognised by the international medical insurance company and which usually the insurance company has an established relationship with. This is not to say that you cannot go to a hospital of your choice that is outside your insurance company's network but it is usually advantageous to do so in respect of claims handling.

Many Insurers have online hospital network databases where you can easily find information about hospitals close to wherever you are in the world.

Hospital Accommodation

Refers to the type of room that you stay in when receiving treatment in hospital. Private, semi-private deluxe and executive suites are common benefits of international expat health insurance plans.


Being placed in medical care at a medical care facility.

In-Patient Cash Benefit

Refers to an international health insurance benefit where monies are paid by the insurance company when treatment and/or accommodation for medical treatment, that would otherwise be covered under the insured's plan, is provided in a hospital where no charges are billed, such as when you receive treatment in a state, or charitable, hospital and aren’t charged for services.

In-Patient Dental Treatment

Refers to emergency dental treatment due to a serious accident that requires you to be admitted to hospital.

In-Patient Treatment

Refers to treatment in a hospital / clinic where you are admitted to a bed and overnight stay is medically necessary.

Infertility treatment

Refers to reproductive treatment and technology for either sexes used primarily to achieve pregnancy by artificial or partially artificial means. It may also refer to treatment used to investigate procedures necessary to establish the cause for infertility.

Insurance Certificate

A document which details what you as a policyholder are entitled to. It simply proves that a contractual relationship exists between the insured person(s) and the international medical insurance company.