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


TPD stands for Total Permanent Disability.

If you are deemed to have suffered TPD then your insurer believes that, through accident, injury or illness, you are no longer able to work in your existing occupation or any other to which you are suited through your experience and qualifications.


Travel insurance is designed to protect you and your belongings whilst abroad.

Different travel policies can cover for any of the following:

  • Illness or injuries suffered abroad
  • Lost luggage
  • Cancellation of holidays
  • Delayed flights or travel
  • Personal travel money
  • Lost passports

Business travel insurance expands upon this, and can cover many employees at once whilst they work abroad.


TCF stands for Treating Customers Fairly. It’s part of regulatory obligation upon a financial services business to “pay due regard to the interests of its customers and treat them fairly.”

Firms must demonstrate that treating their customers fairly is at the heart of their corporate culture with obligations including to provide suitable advice that takes into account a client’s circumstances. It is a key part of the Financial Conduct Authority’s regulatory regime.

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.