Definitions & Other Useful Info
Every Travel Insurance application, policy and brochure you will ever see will be full of phrases and terminology ... here are four very important 'Definitions' that you should understand!
Stable: means any medical condition (other than a minor ailment*) for which all the following statements are true:
(a) there have been no new diagnosis, treatment or prescribed medication (b) there has been no change in treatment or change in medication - including amount of medication to be taken, how often it is taken, the type of medication - exceptions are Coumadin, Warfarin, insulin or oral medication taken to control diabetes as long as they aren't new prescriptions - and changes from brand name to generic or from one generic to another generic (c) there have been no new symptons, more frequent symptons or more severe symptons (d) there have been no new tests indicating deterioration of a condition (e) there has been no hospitalization or referral made to a specialist
Treated: means that you have been hospitalized, been prescribed medication, are currently taking medication, have undergone a medical or surgical procedure
Minor Ailment: means a sickness or injury that doesn't require the use of medication for more than 15 days, more than 1 follow up visit to physician, hospitilization or surgical or medical procedure, referral to a specialist
Deductible: means the amount in US $ which the insured person must pay before the remaining amount becomes the responsibility of the insurance company. ( age 54 & under comes with $0 deductible)
PLEASE SEE THE POLICY FOR A COMPLETE LIST