Glossary
A
- Acute Conditions
-
Diseases, illnesses or injuries that are likely to respond quickly to Treatment, which aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.
C
- Chronic Conditions
-
Diseases, illnesses, or injuries that have one or more of the following characteristics:
- it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests.
- it needs ongoing or long-term control or relief of symptoms.
- it requires your rehabilitation or for you to be specially trained to cope with it.
- it continues indefinitely.
- it has no known cure.
- it comes back or is likely to come back.
- Cancer
-
A malignant tumour, tissues or cells, characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue.
D
- Diagnostic Tests
-
Investigations, such as x-rays or blood tests, to find or to help to find the cause of your symptoms.
- Dependant
-
Your:
- wife, husband or civil partner.
- a person who resides with you on a permanent basis as if your legal spouse.
- unmarried children up to the annual renewal date following their 21st birthday or 24th birthday if in full-time education.
- Day-Patient
-
A patient who is admitted to hospital or day-patient unit because they need a period of medically supervised recovery but does not occupy a bed overnight.
G
H
- Hospital
- Home Nursing
-
The full time services of Qualified Nurses, on a resident or daily basis, following an in-patient stay, when prescribed by a Specialist solely for medical reasons.
I
- In-Patient
-
A patient who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons.
M
- Membership Certificate
-
Provides details of your chosen form of medical underwriting and any personal restrictions that apply to your policy.
- Member
-
The individual accepted by BCWA or the individual nominated by the Group Secretary and accepted by BCWA as a Member including each nominated eligible Dependant.
N
- Nurse
-
A qualified nurse who is on the register of the Nursing and Midwifery Council (NMC) and holds a valid NMC personal identification number.
O
- Out-Patient
-
A patient who attends hospital, consulting room or out-patient clinic and is not admitted as a Day-Patient or In-Patient.
P
- Professional Sports Person
- A person receiving payment for playing a sport, extreme sport or contact sport, or performing as an athlete or a physical entertainer.
- Pre-existing Conditions
-
Any diseases, illnesses or injuries for which:
- you have received medication, advice or Treatment; or
- you have experienced symptoms; whether the condition has been diagnosed or not in the five years before the start of your cover.
- Policy Document
-
The full terms and conditions that relate to your Policy including your Membership Certificate and personal underwriting exclusions.
- Policy
-
Our contract of insurance with you or your cover within the contract of insurance between your group/employer and BCWA.
- Physiotherapy
-
Treatment given by a State Registered Physiotherapist.
Q
- Qualified Nurse
-
A nurse who is on the register of the Nursing and Midwifery Council (NMC) and holds a valid NMC personal identification number.
S
- Specialist
-
A registered medical or dental practitioner who holds or has held an appointment as a consultant in a National Health Service Hospital or has a Certificate of Higher Specialist Training from the appropriate Royal College.
T
- Treatment
-
Surgical or medical services (including Diagnostic Tests) that are needed to diagnose, relieve or cure a disease, illness or injury.
Y
- Year
-
The period of 12 calendar months from the date of your enrolment or renewal of enrolment as a member.
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