Your policy covers treatment of medical conditions that respond quickly to treatment – defined in our glossary as acute conditions. This policy is not intended to cover you against the costs of recurrent, continuing or long-term treatment of chronic conditions.
We define a chronic condition in the glossary as: A disease, illness or injury that has 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. Please note: Your policy will cover you for the following phases of treatment for a chronic condition:
• the initial investigations to establish a diagnosis
• treatment for a period of a few months following diagnosis to allow the specialist to start treatment
• the in-patient treatment of acute exacerbations or complications (flare-ups) in order to quickly return the chronic condition to its controlled state.
Please see section 7 'Recurrent, continuing and long-term treatment' in your policy book for more information.