Glossary

The amount of covered expenses the insured person must pay for covered services before benefits are available to him/her.

Tests that are rendered for the diagnosis of your symptoms that are directed toward evaluation or progress of a condition, disease, or injury. Such tests include, but are not limited to, x-ray, pathology services, clinical laboratory tests, pulmonary function studies, electrocardiograms, electroencephalograms, radioisotope tests, and electromyograms.

A facility (other than a hospital) whose primary function is the treatment and/or provision of maintenance and/or training dialysis on an ambulatory basis for renal dialysis patients. The facility is duly licensed by the appropriate governmental authority to provide such services.

A general practitioner or specialist who is licensed under the law of the country, in which treatment is given to practice medicine. The specialist practices within the license limits and includes licensed pastoral counselors, marriage and family counselors, certified nurse practitioners, certified nurse midwives, registered nurse first assistants, licensed clinical professional counselors, and dental hygienists.

Any pattern of pathological use of a drug that causes impairment in social or occupational functioning, or that produces physiological dependency evidenced by physical tolerance or by physical symptoms when it is withdrawn.