Policy wording

The full contract document that decides what is and is not covered.

The policy wording — not the brochure, the quote or the website summary — is the contract. It contains the definitions of acute and chronic, the exclusions, the limits, the claims conditions and the cancellation terms. If a claim is disputed, this is the document both sides argue from. It is long, but the exclusions section and the definitions section are worth reading before you buy.