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


Normally, costs related to a routine or normal pregnancy are not covered by private medical insurance. Most plans would however cover the cost of pregnancy-related complications.


Prescribed medical aids are described by health insurers as devices that are both prescribed and medically necessary to help you return to your everyday living standard. Examples of medical aids include:

  • Biochemical aids such as insulin pumps and glucose meters
  • Motion aids such as crutches, wheelchairs and prosthetic limbs
  • Hearing and speaking aids
  • Medical compression stockings, particularly following surgery

An emergency medical evacuation occurs when you fall ill or are injured, and cannot receive necessary treatment locally. You will be transported (evacuated) to the nearest appropriate medical centre by ambulance, helicopter or aeroplane, and after receiving care most insurers also cover the cost of your return trip home.

Medical evacuations can also occur if adequately screened blood is needed yet not available locally.


Medical History Disregarded underwriting usually applies to large group private health schemes where pre-existing conditions are covered. On these schemes every member automatically benefits from cover, without having to go though medical assessments and disclosure.


A health treatment that is deemed the most appropriate care and that meets the standards of good medical practice is referred to as medically necessary.

Any treatment or service that’s offered due to your own or your hospital’s convenience would not class as this.


The term Mental Health refers to an incredibly broad range of medical conditions and issues, including addictions, anxiety, depression and even stress.

Find out more about Mental Health and Private Medical Insurance.


Moratorium underwriting is when your private health insurance policy excludes and won’t cover you for treatment for medical conditions you’ve suffered from over a recent time period – usually two to five years.

The benefit to this is that you don’t usually have to submit any details about your recent health when taking out a policy, which can make the set up quicker. Instead your insurer will check your medical history at the point when you make a claim. It’s also important to note that after a set time – usually two years – your policy may change to include and cover these conditions.

There are variations on this – rolling vs fixed moratorium for example – and each policy differs on its definition, so it’s always best to talk to your Towergate Health & Protection advisor about what might be best for you.


An MRI (Magnetic Resonance Imaging) is a diagnostic scan that uses magnets to look at and produce images of the inside of your body.

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.