Common use of Medical Practitioner Clause in Contracts

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial cannulation • the use of endoscopic equipment Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefit. Personal medical exclusions A restriction on your cover that is stated on your certificate of insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan or plan type The Essential Care plan or Essential Care Plus plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate of insurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date you are discharged from hospital. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate of insurance, normally the anniversary of your original date of entry to the plan.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter leGer A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate Certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefitInsurance. Personal medical exclusions A restriction on your cover that is stated on your certificate Certificate of insurance Insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan Bronze plan, SilverLite plan, Silver plan, or plan type The Essential Care plan or Essential Care Plus Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate Certificate of insuranceInsurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date plan. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are discharged from hospitalmedically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified Qualifled nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate Certificate of insuranceInsurance, normally the anniversary of your original date of entry to the plan.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: - • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Partner Someone in a long-term, civil or domestic partnership with you, the plan holder. Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate Certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefitInsurance. Personal medical exclusions A restriction on your cover that is stated on your certificate Certificate of insurance Insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Place of residence The country or region in which you are habitually resident, as specified on your application form or subsequently advised to us in writing. Plan or plan type The Essential Care Bronze plan, Silver plan or Essential Care Plus Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate Certificate of insuranceInsurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date plan. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are discharged from hospitalmedically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: - • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate Certificate of insuranceInsurance, normally the anniversary of your original date of entry to the plan. Restricted hospitals in Hong Kong • Matilda International Hospital • Hong Kong Adventist Hospital • Hong Kong Sanatorium & Hospital Session A single continuous consultation during which time you may receive advice, treatment and/or prescribed medication.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry podiatry, or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: - • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Period of cover A The period of 12 months from your date of entry or from any subsequent renewal date. Your stated as the period of cover is as shown on your certificate Certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefitInsurance. Personal medical exclusions A restriction on your cover that is stated on your certificate Certificate of insurance Insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan The BronzeLite plan, Bronze plan, SilverLite plan, Silver plan, or plan type The Essential Care plan or Essential Care Plus Gold plan on which you and your eligible dependants are covered. Plan holder The person Your employer, stated as the plan holder on the certificate your Certificate of insuranceInsurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date plan. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are discharged from hospitalmedically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests, and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: - • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are your employer is required to pay to us either annually, half- half-yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paidpaid by your employer. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary renewal date of your employer’s plan as shown on your certificate Certificate of insurance, normally the anniversary of your original date of entry to the plan.Insurance. f

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefit. Personal medical exclusions A restriction on your cover that is stated on your certificate of insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan or plan type The Essential Care Bronze plan or Essential Care Plus Silver plan or Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate of insurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date you are discharged from hospital. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are medically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate of insurance, normally the anniversary of your original date of entry to the plan. Restricted hospitals in Hong Kong • Hong Kong Adventist Hospital • Hong Kong Sanatorium and Hospital • Matilda International Hospital Session A single continuous consultation during which time you may receive advice, treatment and/or prescribed medication.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate Certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefitInsurance. Personal medical exclusions A restriction on your cover that is stated on your certificate Certificate of insurance Insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan Bronze plan, SilverLite plan, Silver plan, or plan type The Essential Care plan or Essential Care Plus Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate Certificate of insuranceInsurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date plan. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are discharged from hospitalmedically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate Certificate of insuranceInsurance, normally the anniversary of your original date of entry to the plan.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial cannulation • the use of endoscopic equipment Partner A long-term or life partner to the policyholder in a domestic partnership or permanent relationship. Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefit. Personal medical exclusions A restriction on your cover that is stated on your certificate of insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Place of residence The region or country in which you are habitually resident as specified on your application form or subsequently advised to us in writing. Plan or plan type The Essential Care Bronze plan or Essential Care Plus Silver plan or Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate of insurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Policyholder The person stated as the policyholder on the certificate of insurance. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date you are discharged from hospital. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are medically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate of insurance, normally the anniversary of your original date of entry to the plan.

Medical Practitioner. A person who has full registration under the Medical Acts of the country where they practice and who specialises in nursing, homeopathy, acupuncture, orthopaedic medicine, traditional Chinese medicine, osteopathy, chiropractic, chiropody, podiatry or physiotherapy treatment, and to whom you have been referred by a medical doctor. Medical referral letter A letter from your medical doctor or specialist which refers you to another medical practitioner for treatment covered by your plan. We will only pay for treatment when the start date of your treatment is within 3 months of the date of your medical referral letter. Medical services provider(s) A hospital, out-patient clinic, medical practitioner, dental practitioner, optician or pharmacy. Medical underwriting The process of you providing and us assessing the health and medical information we ask for to decide the terms under which we will accept your application for cover, or for enhanced cover. Based on the information you give us, we may decide to place special terms on your cover, such as personal medical exclusions, or we may decide not to offer you cover. Out-patient A patient who attends a hospital consulting room, emergency room or out-patient clinic, when it is not medically necessary for them to be admitted as a day-patient or an in-patient. Out-patient surgical procedure An out-patient procedure where one or more of the following is medically necessary: - • general or local anaesthesia or intravenous sedation • manipulation or relocation of a fractured bone or dislocated joint by a medical doctor • invasive surgical procedures • invasive diagnostic procedures involving intra-arterial venous cannulation • the use of endoscopic equipment Period of cover A period of 12 months from your date of entry or from any subsequent renewal date. Your period of cover is as shown on your certificate Certificate of insurance. Persistent vegetative state and neurological damage We will not pay for any treatment received after you have been in a vegetative state for a period of eight weeks or received after you have sustained permanent neurological damage and remained in hospital for a period of eight weeks, apart from any treatment you are eligible for under the lifetime care benefitInsurance. Personal medical exclusions A restriction on your cover that is stated on your certificate Certificate of insurance Insurance and specifically excludes treatment of a certain medical condition or conditions and any related conditions. Plan Bronze plan, SilverLite plan, Silver plan, or plan type The Essential Care plan or Essential Care Plus Gold plan on which you and your eligible dependants are covered. Plan holder The person stated as the plan holder on the certificate Certificate of insuranceInsurance. Planned caesarean section A caesarean section which has been scheduled to take place more than 24 hours in advance, whether this be for medical or elective reasons. Post-hospital treatment Medically necessary follow-up consultations, physiotherapy, diagnostic tests and/or treatment required on an out-patient basis following in-patient or day-patient treatment covered by your plan and received within the 90 day period following the date plan. Pre-admission tests An out-patient assessment during which your health is assessed in order to confirm that you are discharged from hospitalmedically fit to undergo the planned treatment and that you are sufficiently prepared for it. The assessment may include an electrocardiogram, blood and/or urine tests and a chest x-ray. Pre-existing medical conditions Any disease, illness or injury, whether the condition has been diagnosed or not before your date of entry, for which: - • you have received medication, advice or treatment; or • you have experienced symptoms Premium The amount(s) you are required to pay to us either annually, half- yearly, quarterly or monthly for your insurance plan. Premium due date The date on which your premium is due to be paid. Preventive health checks Health tests, screening and/ or and/or clinical procedures specifically designed for disease prevention and early detection. Qualified nurse A nurse whose name is currently on any official register of nurses maintained by a statutory nursing registration body within the country where treatment is provided. Reasonable and customary The charge that would typically be made for your treatment by medical services providers in the country where you receive your treatment, and for the medically necessary length of stay required. If the cost of your treatment is not reasonable and customary, we will only pay up to the amount which is typically charged in that country. If the length of stay is not reasonable and customary, we will only pay for the medically necessary length of stay required. In the event of a dispute, we will identify the amount typically charged for your treatment by obtaining comparable quotations from three other medical services providers in the country where you receive your treatment, and taking a mean average of these three quotations. Rehabilitation Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. Rehabilitation hospital or unit A medical facility licensed under the regulations of the country in which it operates and designed for patients who no longer need acute hospital care but who still require medical or nursing supervision and/or assistance with activities of daily living because of their medical disability. Related condition Any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing medical condition. Renewal date The anniversary date of your plan as shown on your certificate Certificate of insuranceInsurance, normally the anniversary of your original date of entry to the plan.