Lifetime Maximum / Maximum Benefit / Policy Maximum

The maximum amount that the insurance company will pay out during the entire term of the insurance policy.

Loading (Premium loading)

The amount that an insurance company adds to the basic premium to cover those that are applying. Sometimes premium loading is applied during the application process if you would like to cover pre-existing conditions.

Local Ambulance

Is ambulance transport that is required in the event of emergency or otherwise deemed medically necessary to transport an insured person(s) to hospital.


Refers to cover for medical costs incurred during pregnancy and childbirth, including hospital charges, specialist fees, mother's pre- and post-natal care, as well as newborn care.

Medical Aids (Durable Medical Equipment)

Any instrument or device that is designed to help or increase the function of the insured person. Typically medical aids would include hearing aids, speaking aids, wheelchairs, crutches, braces and artificial limbs. Many Insurers have restrictions/exclusions in respect of these.

Medical Evacuation

Refers to reimbursement to cover transport costs to the nearest suitable medical center, when the emergency, or lifesaving, treatment you need is not available nearby. It may also cover additional expenses such as the cost of a return flight back to the insured's principle country of residence.

Medical History Disregard (MHD)

Refers to insurance companies waiving pre-existing conditions of one or more insured members. Typically, Group Schemes of 20 or more people can offer MHD meaning that members suffering from pre-existing conditions can receive treatment and claim medical expenses that arise as a result of their pre-existing condition or associated conditions.

Medical Necessity

Is the determination that a person requires medical treatment and services.

Medical Practitioner

Is a physician who is licensed to practice medicine under the law of the country in which treatment is given.

Medical Questionnaire (Health Declaration)

Asked during the application process, this is a document that applicants use to provide details of their medical history such as pre-existing or chronic condition details. It is used in conjunction with the general application form to determine if an applicant is insurable or not and at what price.

Disclosing details of your medical history allows the international medical insurance companies to better assess your case during the application process and can quicken approval. It can also help speed up future claims handling as well.

Medical Repatriation

Refers to a policy benefit that covers costs for transport to your home country to be treated in familiar surroundings. It also sometimes covers costs for the return trip back to your principle country of residence.

Medical Underwriting

The process of determining if you are insurable or not based on your medical history.

Moratorium Cover

Moratorium cover is where after a period of time has elapsed of continuous cover, some pre-existing medical conditions may become eligible for benefit. Pre-existing conditions may be covered after a set period only if you haven't consulted with any doctor or specialist for advice or treatment or if you haven't suffered any symptoms for that medical condition or any related condition for a continuous period determined by the Insurer.

Moratorium cover allows you to get cover for pre-existing conditions provided that your condition appears to have fully subsided.

MRI Scan

Magnetic resonance imaging is primarily used to visualise the internal structure and function of the body. It provides detailed images of the body in any plane. MRI has much greater soft tissue contrast than Computed tomography (CT) making it especially useful in neurological diseases.

Newborn Care

A specific medical maternity benefit associated with examinations and diagnostic test required to determine the health of a newborn child. They are carried out immediately following childbirth. Some plans but not all, also include more comprehensive diagnostic newborn tests such as blood type and hearing. If problems are discovered, then sometimes Insurers may include cover for more complex medically necessary treatment and diagnostic tests.

Refer to the full policy wording or contact XactExpat should you require clarification with regard to newborn care under a particular plan.

No Claims Discount

Refers to a discount that you can potentially receive should you renew your policy on condition that you haven't filed any claims over the insurance year, some companies also offer a ‘low claims’ discount as well. Not all insurance companies offer a no, or low, claims discount.

Nursing at Home

Refers to treatment and / or care at your home typically for patients that require long term attention or those suffering from chronic conditions.