Low cost alternative to private medical insurance providing fixed cash benefits for various circumstances. For example, hospital day care is selectable in the range £12 to £48 per day up to 10 days in a year; hospital in-patient treatment ranges from £18 to £72 per day up to 91 days per year or longer in some cases. Other sections provide benefits for dental treatment, optical requirements, parental stay, acupuncture, stress counselling, etc. Exclusions: pre-existing medical conditions; war; intentional self-injury; alcohol or drug abuse; pregnancy or childbirth; mental diseases, disorders or breakdown; nuclear radiation; cosmetic surgery; treatment for infertility or pregnancy termination; AIDS; confinement for domestic reasons.

Payment of hospital treatment fees, for in-patient or outpatient treatment up to specified amounts, by an insurer who has made a third party payment to a road accident victim. The insurer’s obligation arises from the Road Traffic Act 1988, s.157, and is regardless of any admission of liability. Vehicle owners who have made deposits against third party risks or obtained securities against third party risks also have to make these payments.

Does not imply war but means acts or hostility or operations of hostility. They must be carried out by persons acting as agents of an enemy government or of an organised rebellion and not by individuals acting on their own initiative.