Need Help Glossary - MCIS Multichoice Insurance
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  • a.m. best rating - A.M. Best Company provides news, credit ratings and financial data products and services for the insurance industry.
  • accidental death & dismemberment (ad&d) - This insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer, held by the client
  • administrator - Company that administers the insurance policies
  • ambulance - Transportation and accompanying care provided by designated professional emergency personnel from the location of an accident or acute illness to a Hospital or other appropriate health care facility. Local ambulance transport does not include subsequent inter-facility transfers of admitted patients.
  • app fee - Nominal fee charged by insurance company
  • applicant - Primary insured person
  • applicant age - Age of primary insured person


  • common carrier accidental death - Accidental death while traveling via commercial airline, train, bus or any other commercial vehicle.
  • coverage area - The geographic region covered by travel insurance


  • deductible - Amount needs to pay by insured person before insurance company pay for covered expense
  • dental - accident related emergency - Dental treatment due to accident
  • dental - acute, unexpected pain - Sudden pain in teeth
  • dependent children age - Age of children accompanying primary applicant
  • dependent children age - Children of primary insured person.
  • doctor visit - A physician who is licensed by the state or country in which the services are provided, and the services must be within the scope of that license.


  • emergency medical evacuation/repatriation - Emergency Medical Repatriation is the transportation charges to take insured person to nearest medical facility to provide medical care for covered medical expense.
  • emergency reunion - This coverage is for the travel expenses of a family member that is needed when the insured person must receive emergency medical treatment while overseas.


  • hearing aid coverage - Coverage related to hearing aid
  • hospital emergency room - Expenses for hospital room and board for covered medical expense


  • identity theft assistance - Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
  • intensive care unit (icu) - A cardiac care unit or other unit or area of a hospital that meets the required standards of the joint Commission on Accreditation of Healthcare Organizations for Special Care Units.


  • loss of checked luggage - Reimbursement of lost luggage which you checked-in during travel in commercial airplane.


  • maternity - Charges for pre-natal care, delivery, post-natal care, and care of Newborns, including complications of Pregnancy, miscarriage, complications of delivery and/or complications of Newborns; and
  • medicine/prescription drug - Prescribed medicine by licensed physician.


  • nationality - Applicants Country of Citizenship


  • optional coverage - Other optional available coverage available by pay extra premium.
  • othermedicalfirst - This Condition means a sudden and unexpected outbreak or recurrence of a pre-existing conditions which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. This condition must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.


  • physical therapy - A therapy prescribed by a Physician and performed by a professional physical therapist, and necessarily incurred to continue recovery from a covered Injury or covered Illness.
  • plan type - Type of coverage
  • policy maximum - Maximum medical benefit needed
  • policy maximum - Maximum amount of money insurance company will pay for covered medical expense
  • political evacuation - If insured person need to be evacuated to due covered political reason.
  • pre-existing condition - Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the years/months (Depend upon the each insurance company plans) prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
  • premium - Amount you need to pay to purchase insurance plan.


  • remarks - Addition useful informatoin
  • return of minor children - If insured person traveling alone with minor children and children had medical emergency. If situation arises when insured person have to leave child under 18 unattended to leave then insurance company pay for insured person one way airline ticket to home country .
  • return of mortal remains - The bodily remains or ashes of an Insured Person.
  • routine physical exam - Examination of the physical body by a Physician for preventative or informative purposes only, and not for the Treatment of any previously manifested, symptomatic, diagnosed or known Illness or Injury.


  • spouse age - Husband or wife of primary insured person
  • surgical treatment - Treatment required for surgery for covered medical expense.


  • terrorism coverage - Medical emergency arises due to act of terrorism where insured person was not part of that act.
  • trip interruption - If trip is interrupted due to covered reason.


  • underwriter/carrier - Insurance company that underwrites and issues the insurance policy


  • vision coverage - Coverage related to eye sight
  • visitor age - Age of applicant


  • x-ray & lab services - Prescribed X-ray, radiology and laboratory services by licensed physician.