Policy wording is not a novel – but with ten terms, any offer becomes readable. Here is the dictionary, with examples.
Waiting period
The time after inception during which certain services are not yet available. Often shorter or waived in group contracts – but typical for inpatient and surgical covers. Ask: on what, and how long.
Exclusion
What the insurance never covers (certain treatment types, competitive-sport injuries). A short exclusion list is a value in itself.
Deductible / co-payment
Your share of the cost. Rarer in health insurance than in motor, but reimbursement elements may carry it as a percentage: „80% reimbursement" means a 20% co-payment.
Limit (annual/per event)
The cap on the insurer’s payment – per year or per service. A „dental budget" is typically an annual limit. Between two offers, the limit is often the real difference on the same service.
Network-based vs reimbursement
The two basic structures – covered in a dedicated article.
Care coordination
The service of having appointments booked for you. May include commitments: within how many days, in which specialties.
Territorial scope
Where care is available: nationally, in-network, possibly abroad (assistance elements). Crucial with rural sites.
Prevention / screening protocol
The exact contents of the annual screening per tier. Behind the phrase „executive check-up" live very different protocols – ask for an itemised list.
Premium correction and headcount tolerance
How monthly settlement works for joiners and leavers, and the band within which headcount movement does not change pricing. The key to smooth administration.
Indexation
The renewal premium-increase mechanism. The real question is not whether it exists but what it is tied to and how transparent it is – at renewal we check this for you.
Our comparison table lines these terms up row by row, insurer by insurer – we do the wording-reading, you see the table.
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