Cover Definitions
 The following definitions relate only to those insurance policies accepted by ALC Health on behalf of the plan underwriter  

ACCIDENT
A sudden, unexpected or unforeseen event resulting in an identifiable physical injury to an insured person.

ACCIDENTAL DAMAGE TO TEETH
Dental treatment received to restore or replace sound natural teeth which have been lost or damaged as a result of an accident.

ACUTE
A medical condition that is likely to respond quickly to treatment which aims to return you to the state of health you were in immediately before suffering the disease, illness or accident, or which leads to your full recovery.

ADVICE
Any consultation or discussion with a medical practitioner or specialist, including check-ups and the issue of any prescriptions (including repeat prescriptions).

AREA OF COVER
The area to which your cover is restricted. The available areas are asdefined below and your selection will be specified on your Certificate of Insurance.

Area 1 - Europe
Area 2 - Worldwide excluding United States of America
Area 3 - Worldwide

If you are a USA passport holder, and you select this Area, your cover in the USA will be restricted to the first 6 months spent there during any one 12 month period.

BIRTH INJURY
A deformity or medical condition which is caused during childbirth.

CERTIFICATE OF INSURANCE
The Certificate giving details of the policyholder, the insured persons, the period of cover, the date of entry and the level of cover and any endorsements that may apply.

CHIROPODIST
A practising chiropodist who is registered and legally licensed to practise chiropody in the country where treatment is provided.

CHRONIC
A medical condition which has at least one of the following characteristics:

�It continues indefinitely and has no known cure
�It comes back or is likely to come back
It is permanent
�You need to be rehabilitated or specially trained to cope with it
It needs long term monitoring, consultations, check ups, examinations or tests

COMMENCEMENT DATE
The date shown on the Certificate of Insurance on which the cover provided by this policy starts.

COMPLEMENTARY MEDICINE
Therapeutic and diagnostic treatment that exists outside the institutions where conventional medicine is taught. Such medicine includes Chinese herbal medicine, chiropractic treatment, osteopathy, homeopathy, acupuncture, dietician and podiatry treatment as practiced by approved therapists.

CONGENITAL ANOMALY
An intra-uterine development of an organ or structure that is abnormal with reference to form, structure or position.

COUNTRY OF NATIONALITY
The country for which you are a passport holder.

COUNTRY OF RESIDENCE
The country in which you normally live at the time of the commencement date or at each subsequent renewal date.

DATE OF ENTRY
The date shown on the Certificate of Insurance on which an insured person was first covered under this policy.

DAY-PATIENT
An insured person who is admitted to a hospital bed but does not remain in hospital overnight.

DENTAL PRACTITIONER
A person who is registered and is legally licensed to practise dentistry in the country where treatment is provided.

DEPENDANTS
A spouse or adult partner and/or unmarried children, step-children, legally adopted children and foster children who are under 25 years of age, permanently living with you or in full-time education. Children will be accepted from birth, provided that we receive notification of their arrival within 30 days from birth. Notification received after this period will result in children being accepted for cover from the date of such notification.

EVACUATION
The transportation costs of an insured person who needs to be moved from the place of incident to the nearest appropriate medical facility to receive in-patient treatment of a medical condition that cannot be satisfactorily treated at the place of incident.

FOETAL SURGERY
Treatment given or undertaken on a foetus whilst in the womb.

HOSPITAL
An establishment which is legally licensed as a medical or surgical hospital under the laws of the country in which it is located.

IN-PATIENT
An insured person who is admitted to a hospital bed and out of medical necessity is required to stay for one or more nights.

INSURED PERSON/YOU/YOUR
You and/or the dependants named on the Certificate of Insurance who are covered under this policy.

INTENSIVE CARE
Treatment in a defined intensive care unit, intensive therapy unit, high dependency unit or coronary care unit, which provides constant monitoring after surgical operation or illness.

MEDICAL CONDITION
Any accident, injury, illness or disease, including psychiatric illness.

MEDICAL PRACTITIONER
A general medical practitioner who holds primary degrees in medicine or surgery as recognised by the World Health Organisation and who is legally licensed to practise in the country where treatment is provided.

MEDICATION
Drugs, medicines and corrective devices (including prostheses when used as an integral part of a surgical procedure) prescribed by a medical practitioner or specialist.

ORGAN TRANSPLANT
The surgical procedures to perform a transplant of an organ.

OUT-PATIENT
An insured person who receives treatment but who is not required to be admitted to a hospital bed.

PALLIATIVE TREATMENT
Treatment given to an insured person, the primary purpose of which is only to offer temporary relief of symptoms, rather than to cure the medical condition causing the symptoms.

PATHOLOGY
Tests carried out to help determine or assess the nature of disease and the changes in structure and functions brought about by disease.

PERIOD OF COVER/EACH YEAR
The duration for which cover is provided. This is specified on the Certificate of Insurance. This will normally be a twelve (12) month period starting from the commencement date or renewal date.

PHYSICIAN
A medical practitioner who is registered and legally licensed to practise medicine in the country where treatment is provided.

PHYSIOTHERAPIST
A practising physiotherapist who is registered and legally licensed to practise medicine in the country where treatment is provided.

POLICY
The contract which details the level of cover provided. The application form, Certificate of Insurance and this policy wording incorporating the policy terms and conditions form part of the contract.

POLICY EXCESS
The specified monetary amount payable by an insured person in respect of expenses incurred before any benefit is paid under this policy. The policy excess applies per person per policy year and is applied to In-patient, Day-patient and Out-patient expenses only.

POLICYHOLDER
The person or company with whom we have contracted this policy and who is principally responsible for payment of the premiums.

PSYCHIATRIC ILLNESS
Treatment of a mental disorder carried out by a clinical psychologist. The disorder must be associated with present distress, or substantial impairment of the individual's ability to function in a major life activity (eg. employment). The aforementioned condition must be clinically significant and not merely an expected response to a particular event such as bereavement, relationship or academic problems and acculturation. The disorder must meet the criteria for classification under an international classification system such as Diagnostic and Statistical Manual (DSM-IV) or the International Classification of Diseases (ICD-9 /10).

QUALIFIED NURSE
A nurse whose name is currently on any register or roll of nurses maintained by any statutory nursing registration body, within the country where treatment is provided.

REHABILITATION
Treatment given with the aim of restoring health and mobility after injury or illness to a state in which an insured person can be self-sufficient.

RENEWAL DATE
The annual anniversary is the first of the month in which the commencement date falls.

REPATRIATION
The transportation costs of an insured person to their country of nationality or country of residence for treatment of an accident or medical condition which cannot be treated adequately locally or at the place of incident.

SPECIALIST
A medical practitioner who holds a substantive consultant appointment in the relevant speciality in a National Health Service hospital, or has held a substantive consultant appointment which we accept as being of equivalent professional status, or is recognised as such by the statutory bodies of the relevant country in which treatment is being given.

TREATMENT
Any medically necessary surgical procedure or medical intervention required to cure or provide relief of an acute medical condition.

WE/OUR/US
à la carte healthcare limited on behalf of AXA PPP International as detailed in the Certificate of Insurance.