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


Not all insurance policies start from Day 1. Some policies include ‘waiting periods’ – a time frame after taking out the policy where cover is not provided for certain medical conditions or circumstances.

This is usually to ensure that you are not claiming on any pre-existing conditions you had before you took out your plan.


An add on that will help to pay your life or critical illness policy premiums should you be sick or unable to work.


Weight loss surgery, also known as bariatric surgery, is used to help people who are dangerously obese, with BMIs 35-40+.

Most weight loss procedures would not normally be covered by private health insurance, except under very specific circumstances, and you will likely need to provide evidence from your GP as to why you need surgery. Weight loss surgeries could include:

  • Gastric sleeves
  • Gastric bypass
  • Lap gastric bands

The World Health Organisation. An agency of the United Nations (UN) that is concerned with international public health.

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.