TERMOS E DEFINIÇÕES MÉDICAS
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O vocabulário de um plano de seguros internacional pode ser confuso para quem não é especialista. Esta página é designada como um glossário de termos comuns encontrados em seu plano. Nosso time de representantes vai responder qualquer outra pergunta que porventura venha a ter sobre seguros de saúde internacional, favor sinta-se a vontade em nos contatar.
Doenças agudas sérias: uma “doença aguda séria” somente vai ser determinada após revisão e acordo pelo médico e consultores médicos da companhia.
Data de aniversário: A data de renovação do plano internacional.
Aplicante: o nome da pessoa no formulário de aplicação e questionário médico como um aplicante para um seguros.
Aplicação: O formulário de aplicação e questionário médico que você preenche quando faz uma aplicação.
Reembolso: a claim is the financial demand covered in whole or in part by the insurance. In the Company’s evaluation/determination of the claim, the time of treatment is decisive, not the time of the occurrence of the injury/illness.
Começo da data: the date indicated in the policy schedule on which the worldwide health insurance commences, unless otherwise stated in the Policy Conditions.
Franquia: the total amount of money noted in the policy schedule which each insured agrees to pay each policy year before being reimbursed by the Company.
Documentos: any written information related to the insurance including original bills, policy schedules and the like.
Data prevista: date on which a premium is due to be paid.
Internamento: surgery or medical treatment in a hospital or clinic as an in patient when it is medically necessary to occupy a bed overnight.
Inpatient: surgery or medical treatment in a hospital. It usually means that you will occupy a bed or stay overnight, but can include anything that hospitalizes you.
Seguro: the Policy Conditions and policy schedule representing the insurance contract with the Company and setting out the scope of the insurance terms, the premium payable, deductible and reimbursement rates.
Assegurado: the policyholder and/or all other insured persons as listed in the valid policy schedule.
Ambulatório: surgery or medical treatment in a hospital or clinic where it is not medically necessary to occupy a bed.
Condições da apólice: the terms and conditions of the worldwide health insurance purchased.
Titular da apólice: the person identified as the policyholder on the Application Form.
Agenda da apólice: policy details showing the type of insurance purchased, deductible and any special terms.
Condição pré-existente: the medical history, including the illnesses and conditions listed in the Medical Questionnaire, which may affect the Company’s decision to insure or not to insure or to impose special terms.
Valores de reembolso: the maximum amount of money which will be paid by way of reimbursement of medical expenses in one year from the commencement date or from each anniversary date, as further detailed in the Policy Conditions.
Região: the name of the region as stated on the policy schedule determines the area of cover. Global Health Insurance can provide cover for many regions. Follow the link for a complete list of countries where we can obtain insurance for you.
Renovação: the automatic renewal of the insurance as per the anniversary date.
Ferimento grave: a “serious injury” shall be determined to exist only after review and agreement by both the attending physician and the Company’s medical consultant.
Termos especiais: restrictions, limitations or conditions applied to our standard terms as detailed in the policy schedule.
Termos comuns: the Company’s standard insurance terms with no special restrictions, limitations or conditions.
Sub-rogação: the insurer’s right to enforce a remedy which the insured has against a third party and the insurer’s right to require the insured to repay the insurer if the insurer has paid expenses recouped by the insured from a third party.
Cirurgia: a surgical treatment/intervention, which does not include endoscopies and scannings even though these examinations may require anesthesia.
Fase terminal: when the advent of death is highly probable and medical opinion has rejected active therapy in favour of the relief of symptoms and support of both patient and family. This decision must be confirmed by the Company’s medical consultants.
Período de carência: A waiting period is the period of time from the commencement date where the insurance provides no cover. Often found with maternity cover.
