A handy jargon buster to help you understand some health insurance terminology.


ABI stands for the Association of British Insurers. They don’t sell insurance, but rather represent over 90% of the insurance providers in the UK, making sure that you – the customer – are always experiencing the highest standards of insurance policies and customer services.


Absence management solutions help businesses reduce the level of employee absences through sickness, by giving employees access to health-related advice, support and treatments.

They can be incorporated into existing programmes, or integrated into an Employee Assistance Programme. These solutions could be anything from an online monitoring system to track absences, right up to a full Business Health Audit and wellbeing advice for your staff.


An accident is seen by medical insurers as a sudden, unexpected and unintended event that causes injury to the insured person.


Accident, Sickness and Unemployment insurance policies are designed to be low cost short term protection against the unexpected. They’re a useful group of policies to have if you’re particularly worried about how you and your family would cope financially in the event that you lost your job through redundancy or ill health.

ASU policies typically pay a percentage of your income and earnings for between 12-24 months.


Accidental Death Benefit is when an insurance policy makes a payment if a death is caused by an accident.


Accredited means that a health care facility (e.g. a hospital or clinic) or a health care practitioner (e.g. a doctor or consultant) has the ‘seal of approval’ for their quality.


Your Accumulation Period is the time period in which your out-of-pocket expenses and deductibles are calculated.

For most private health insurance policies, the Accumulation Period is a year. 


A disease, illness or injury that is sudden and severe. Such conditions may respond quickly to treatment which aims to return you to the state you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.  


AMII stands for the Association of Medical Insurance Intermediaries – a group of intermediaries who provide independent, specialist advice on individual and group private medical insurance policies.

As independent medical insurance specialists, Towergate Health & Protection is an AMII member, which means we are independent and impartial, not tied to any one insurer or provider, and aim to take the hard work out of researching the insurance market for you.


Assurance is basically another word for insurance.

The word assured means certain, so whereas ‘insurance’ covers an event that might happen (breaking your leg), ‘assurance’ covers an event that will happen for certain (death). The term can be used interchangeably, and is most commonly seen in regard to life insurance.

Chase Templeton Limited is registered in England and Wales No. 3299980 – registered address: 5 Arkwright Court, Blackburn Interchange, Darwen, BB3 0FG. Towergate Underwriting Group Limited is registered in England and Wales No. 4043759 – registered address: Towergate House Eclipse Park Sittingbourne Road Maidstone Kent ME14 3EN.  VAT Registration No: 447284724.