5 Private Medical Insurance Jargon Words Explained


Private Medical insurance can be confusing, often down to the weird sounding terms and phrases that are used. We have explained 5 such terms below to help you understand some of the most frequently used health insurance terminology.

Acute Condition

An acute condition can be defined as a disease, illness or injury that is likely to respond quickly to the treatment that 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. It is these conditions that Private Medical Insurance is designed to cover.

Chronic Condition

A chronic condition can be defined as a disease, illness or injury that has one or more of the following characteristics: needs long-term monitoring., control or relief of symptoms, requires rehabilitation,  continues indefinitely and has no known cure or is likely to come back. These conditions will more than likely not be covered under a Private Medical Insurance policy.


Any person or firm that sells insurance but is not an insurance company themselves. This includes Private Medical Insurance brokers.

Pre-existing medical condition

A pre-existing medical condition is any condition you have now or had in the past; have been diagnosed with or are waiting for a diagnosis of; have been treated for or are having treatment for before the start date of a private medical insurance policy.

Cooling off period

Insurer’s offer a cooling off period to allow policyholders to make changes to their insurance policy or to cancel it without penalty should they wish to do so.

Information sourced from https://www.abi.org.uk


The team at SMP Healthcare are on hand to answer any other terms or phrases you require help with. Simply contact us on 01245 929129 or email enquires@smphealthcare.com and we will be happy to help clarify them for you.