Glossary of private health insurance terms | Health-on-Line

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Glossary Of Terms

Plain English

Just in case you do not understand the some of the abbreviations and words we use, here is a list of the most common ones and what they mean:
PHI – Private Health Insurance

NCD – No Claims Discount

Business health insurance policy – Health insurance available to any business for their employees, regardless of size.

Chronic Condition / Long term condition – a disease, illness or injury that has one or more of the following characteristics:

• Needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests
• Needs ongoing or long-term control or relief of symptoms
• Requires your rehabilitation or for you to be specially trained to cope with it
• Continues indefinitely
• Has no known cure
• Comes back or is likely to come back

Consultation - A meeting with an expert, such as a medical doctor, in order to seek advice

Day Patient – Someone who is admitted to a hospital or day patient unit, because they need a period of medically supervised care or recovery but who does not occupy a bed overnight

In-patient – Someone who is admitted to hospital and occupies a bed overnight or longer for medical reasons

Out-patient – Someone who attends a hospital, consulting room or out-patient clinic but does not classify as a day or in-patient.

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