Any symptom, disease, illness or injury which reasonable medical opinion considers to be associated with another symptom, disease, illness or injury. It may also be known as an ‘underlying cause’ and [..]

Any sporting activity in which the planholder or insured dependant participates as their main paid occupation, as opposed to being an amateur or semi-professional.

A period of 12 months from the plan start date or from any annual renewal date. 

The date on which the plan began, as shown on your certificate of insurance. 

A type of alternative medicine that must be carried out by a member of the General Osteopathic Council (GOsC) who is recognised by us.

A qualified nurse on the register of the Nursing and Midwifery Council (NMC) and holds a valid NMC personal identification number. Any treatment they provide must be under the supervision of a consult [..]

The basis on which you’ve applied for cover and the process we use to decide the terms on which we’ll accept you and your insured dependants, based on the medical information we receive when you make [..]

The first amount which you must pay before we make any payment under a plan for treatment covered by the plan. You only need to pay one excess each plan year for each insured person. This excess reset [..]

A medical practitioner registered and licensed with the General Medical Council, whose name appears on the GP register.

Skilled nursing care provided by a qualified nurse. Home nursing must be supervised by an insured person’s consultant.