A
Acute medical condition/Acute

A disease, illness or injury which responds to short term treatment that aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.

C
Cancer

A malignant tumour, tissues or cells, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue; and for the purpose of claiming under the Heart & Cancer option any brain tumour requiring surgery or chemo or radiotherapy.

Chronic Medical Condition (long-term)/Chronic

A disease, illness or injury that has one or more of the following characteristics:

• it needs ongoing or long-term monitoring through consultations, examinations, check ups, and/or tests
• it needs ongoing or long-term control or relief of symptoms
• it requires your rehabilitation or for you to be specially trained to cope with it
• it continues indefinitely
• it has no known cure
• it comes back or is likely to come back

 

Critical Care

Treatment given in either a resuscitation room, intensive care or high dependency unit, including coronary care units, which requires the specialist care, supervision and support by intensive care specialists.

D
Day-patient treatment

A patient who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery but does not occupy a bed overnight.

Dependant

Your spouse, partner or other adult relative and any unmarried children under the age of 25 included on the policy. By definition in order for a dependant to be added to the policy they must live either with both/one of their parents, or live away from home and be in full-time education.

Diagnostic tests

Investigations such as x-rays,blood tests and ECG used to find the cause of your symptoms.

E
Emergency treatment

Treatment received in an NHS or private casualty or Accident and Emergency Unit, to care for an immediate life threatening condition or to repair or assess a medical condition or symptoms.

G
General Practitioner (GP)

A medical practitioner holding a Certificate of General Practice Training and registered with the General Medical Council in the United Kingdom.

I
In-patient treatment

A patient who is admitted to hospital and who occupies a bed overnight or longer for medical reasons.

M
Medical necessity

Diagnostic investigations and treatment including surgery that is required to cure, correct and stabilise an acute medical condition.

Member

The policyholder with whom we have made the membership and who is responsible for paying the premiums for a CS Healthcare policy.

N
Necessary aftercare

The period directly after you have been discharged, you will be covered for a 90 day period of necessary aftercare, this will normally cover up to a maximum of 3 post-operative or follow-up consultations, a period of physiotherapy, 6 sessions in the first instance, where related directly to your surgery or medical admission to check your progress or treat any complications. Wound care and dressings and small procedures will also be covered where they are a direct consequence of your surgery or medical admission. Where a diagnostic procedure like an endoscopy or biopsy has been performed ongoing diagnostic consultation and tests will not be covered. Where you have chosen the Heart & Cancer option the period of necessary aftercare will continue subject to pre-authorisation for 1 year for cardiac conditions and for 5 years for cancer conditions.

Nurse

A qualified nurse who is on the register of the Nursing and Midwifery Council (NMC) and holds a valid NMC identification number.

O
Out-patient

Treatment given at a hospital, consulting room or out-patient clinic where you do not go in for day-patient or in-patient treatment.

Overseas

A country outside of the United Kingdom.

P
Planned treatment

Admission to hospital by means of a waiting list or direct Consultant referral and not from the hospital Accident and Emergency unit or following a request for immediate admission on the advice of a GP.

Policy

The insurance contract between you and us, including the following documents which are sent to you from time to time:

• Any application form the Society asked you to complete
• Policy Document and Benefit Schedules.
• Registration Certificate and letter of acceptance
• Directory of Hospitals
• Memorandum of Association & Rules
• Contribution rates
• Any other document setting out information affecting the rights and obligations of the Society and you concerning membership.

 

Pre-authorisation

Approval given either verbally or in writing by the Society prior to any treatment taking place, as a guarantee that we will meet your treatment costs as part of an eligible claim – providing you are still paying premiums for the appropriate your choice option at the time of treatment.

Pre-existing conditions

Any disease, illness or injury for which

• You have received medication, advice or treatment; or
• You have experienced symptoms, whether the condition has been diagnosed or not in the 5 years before the start date of cover.

 

Prosthesis

A surgical appliance, such as a joint replacement and bone fixation, heart valve, pacemaker, stents, grafts and meshes, which are implanted by a Consultant specialist during a surgical procedure.

R
Related condition

Any symptom or condition, disease, illness or injury which is medically considered to be associated with another symptom or condition, disease, illness or injury will be considered as one claim.

Routine monitoring

Regular consultations, check-ups, examinations or tests to assess your ongoing state of health.

 

S

Specialist/Consultant

A registered medical or dental practitioner who holds or has held a substantive NHS Consultant's post, or has a certificate of Higher Specialists Training in the relevant speciality issued by the appropriate Royal College or General Medical Council in accordance with the EU medical directives.

 

Specialised scans

High cost scans such as:

• MRI & CT Scans
• PET Scans
• Myelogram
• Thallium Scans
• DAT & MIBG Scans
• Perfusion/Ventilation Scans.

 

Stable

A patient is able to be nursed in a general ward setting and does not require critical care including resuscitation, intensive care, high dependency or coronary care, life support or immediate life saving surgery.

Surgical procedure

An operation including open incision and/or laparoscopic procedures, used to correct an injury, disease or degenerative change; and also including endoscopic procedures performed as a day case procedure required to aid a diagnosis or to give therapeutic relief of symptoms.

T
Treatment

Surgical or medical services (including diagnostic tests) that are needed to diagnose, relieve or cure a disease, illness or injury.

U
United Kingdom

England, Scotland, Wales, Northern Ireland, Channel Islands and Isle of Man.