Basic Rate

Applied to loans commonly called ‘No Frills Loans’ which are generally cheaper than Standard Variable Rate Loans but do not have features such as a [...]

POSTED ON January 14, 2002
Break Costs

Relates to the penalty fees charged when a borrower terminates a fixed-rate loan contract before the expiry of the fixed-rate period. [...]

POSTED ON January 14, 2002
Private patient in a private hospital

You choose your own doctor and some or all of both the services and medical fees are covered by private health insurance. [...]

POSTED ON October 12, 2001
Pre-existing Condition

A pre-existing condition is a condition for which symptoms were evident up to 6 months before the date of either first joining the fund or [...]

POSTED ON October 12, 2001
Restricted Services

Restricted services can apply to certain types of cover, usually young singles cover, to help reduce the premium. For example the full benefits for hip [...]

POSTED ON October 12, 2001
Waiting Periods

Different waiting periods will apply for certain services for example when you first join a health fund a short waiting period will usually apply for [...]

POSTED ON October 12, 2001
Private patient in a public hospital

You choose your own doctor and some or all of both the services and medical fees are covered by private health insurance. [...]

POSTED ON October 11, 2001
Gap

Medicare pays for 75% of the MBS fee for your medical practitioner’s services if you are being treated as a private patient in either a [...]

POSTED ON October 10, 2001
Gap Cover Schemes

Gap cover schemes do not require formal contractual agreements between health funds and doctors. The doctor will assess how much it will cost to treat [...]

POSTED ON October 10, 2001
Hospital Costs

This covers meals, a bed in hospital and all related services provided by the hospital including nursing care. It does not include the treatment provided [...]

POSTED ON October 10, 2001
Labour ward fees

The costs for delivery of babies in a birthing suite. [...]

POSTED ON October 10, 2001
Lifetime Health Cover

Anyone who takes out private hospital cover when they are under 30 years old or anyone between the ages of 30 and 65 who took [...]

POSTED ON October 10, 2001
Medical Costs

These are the fees for medical procedures performed during a hospital stay and include such things as surgeons’ fees, obstetricians’ fees, radiology, pathology and anaesthetists. [...]

POSTED ON October 10, 2001
Co-payment

A co-payment is a set amount you agree to pay each day towards your hospital accommodation. Most health funds will place a limit on the [...]

POSTED ON October 10, 2001
Medicare Levy Surcharge

This is the additional charge that higher income earners’ who do not have private hospital insurance with a low excess are required to pay over [...]

POSTED ON October 10, 2001
Dependant

A dependant is usually defined as: ·Your spouse ·Any of your children under 18 years of age under your care ·Any of your student children [...]

POSTED ON October 10, 2001
Doctors’ Services

The treatment provided in a hospital by specialists or a patient’s own general practitioner. [...]

POSTED ON October 10, 2001
Elective Surgery

When your doctor thinks the surgery isn’t required immediately. [...]

POSTED ON October 10, 2001
Emergency Treatment

This is treatment that is required if the patient is in danger of suffering loss of life, limb, bodily function or mental stability, or if [...]

POSTED ON October 10, 2001
Excess – Health Insurance

If your hospital cover has an excess applied this is the amount you will have to pay if you are admitted to hospital. It does [...]

POSTED ON October 10, 2001
Excluded Services

Excluded services can apply to certain types of cover, usually young singles cover, to help reduce the premium. Services such as obstetrics and other procedures [...]

POSTED ON October 10, 2001
Federal Government 30% Rebate

The rebate scheme is designed to encourage people to take out private hospital insurance as a minimum level of cover. The government provides a 30% [...]

POSTED ON October 10, 2001
Front-End Deductible

If your hospital cover has a front-end deductible applied this is the amount you will have to pay if you are admitted to hospital. It [...]

POSTED ON October 10, 2001
Standard Battery Talk Time

The amount of time the phone battery will last if engaged in a continuous call (measured in hours or minutes). [...]

POSTED ON October 2, 2001
SAR

Stands for Specific Absorption Rates. It is a measure of the amount of radio frequency energy absorbed per kilogram of body tissue. This information will [...]

POSTED ON September 28, 2001
Call Centre

Service providers' preferred method of delivering customer service; via centralised or regional office dealing with customer enquiries and complaints. [...]

POSTED ON September 28, 2001
Number of Rings

The number of different ringtones installed into the phone as standard. [...]

POSTED ON September 28, 2001
Service Address

This is the address at which your telephone number(s) are connected. It can be different from your billing address. [...]

POSTED ON September 28, 2001
WAP

Wireless Application Protocol is the bridge between a mobile phone and the Internet which allows the user to access information from their mobile handset. It [...]

POSTED ON September 17, 2001
Wireless

Refers to communications, monitoring or control systems in which electromagnetic or acoustic waves carry a signal through atmospheric space rather than along a wire. [...]

POSTED ON September 17, 2001
Voice Record

The ability of a phone to record the incoming caller’s voice for playback later. [...]

POSTED ON September 17, 2001
Vibrating Alert, Vibra-Call

The ability of a mobile handset to alert of any incoming calls by vibrations, not just a ringtone. [...]

POSTED ON September 14, 2001
Vibrating Battery

A mobile phone battery, which has vibrating capability. Available as an accessory for phones which do not have vibrating capability built-in. [...]

POSTED ON September 14, 2001
Voice Activation

The ability of a handset to dial a number and answer a call according to voice commands. [...]

POSTED ON September 14, 2001
Voice Mail

A recorded message service that calls divert to when the called party is engaged or does not answer. [...]

POSTED ON September 14, 2001
Bluetooth

A computing and telecommunications industry specification, often described as low-power wireless radio technology allowing a range of electronic devices located near each other such as [...]

POSTED ON September 12, 2001
Cellular phone

Another name for a mobile phone, referring to the cell-based network of mobile network coverage. [...]

POSTED ON September 12, 2001
Desktop conferencing

A telecommunications facility or service on a PC that permits callers from several diverse locations to be connected together for a conference call. [...]

POSTED ON September 12, 2001
Facsimile Transmissions

Or ‘fax’. The transmission of an image across a telecommunications network. [...]

POSTED ON September 12, 2001
Internal Hands-free

A mobile phone which has the hands-free capability built-in. [...]

POSTED ON September 12, 2001
Long Distance

Calls beyond the local call zone; includes national, fixed line to mobile calls and international calls. All long distance services are usually packaged together and [...]

POSTED ON September 12, 2001
Number of Languages

The number of different languages in which the phone can display its text. [...]

POSTED ON September 12, 2001
Predictive Text

A mobile handset feature to make text messaging (SMS) quicker and easier. The phone will predict the word you are typing reducing the number of [...]

POSTED ON September 12, 2001
Start-up Cost

The total cost of establishing a new service (including all relevant connection, hardware and installation costs). See Connection fees. [...]

POSTED ON September 12, 2001
Broadband

A term describing a wide band of electromagnetic frequencies or multiple channels of data over a single communication medium. Broadband has the capacity to deliver [...]

POSTED ON September 12, 2001
Churn

Industry term for the frequent switching of customers between service providers. [...]

POSTED ON September 12, 2001
Digital Subscriber Line

Digital Subscriber Line (DSL) technology makes it possible to deliver high-speed data over existing copper phone lines. It enables service providers and carriers to transport [...]

POSTED ON September 12, 2001
Fax/Data Facility

Mobile phones can now support faxes and connect to the internet just like fixed line phones. The maximum speed that data can be transmitted or [...]

POSTED ON September 12, 2001
International Call

A call made from a basic telephone service in Australia to a landline or mobile service in another country. [...]

POSTED ON September 12, 2001
MaH

Mili amps is the measurement used for the power capacity of a battery. [...]

POSTED ON September 12, 2001
Number of Lines

The number of lines of text that can be displayed at once on the screen of a handset. [...]

POSTED ON September 12, 2001
Preselection

When a subscriber selects a particular telephone company to be their primary carrier. See A Guide to Preselection and Override and How to Preselect. [...]

POSTED ON September 12, 2001
STD Call

A direct-dial National Long distance call that is not an Operator Assisted call. [...]

POSTED ON September 12, 2001
Bundling

Combining a variety of telephone and related services on a single bill, often at a discount over individually purchased services. [...]

POSTED ON September 12, 2001
CLI

Stands for Caller Line Identification. Also known as "Caller ID" or CND, Calling Number Display. This is a network feature that allows the telephone number [...]

POSTED ON September 12, 2001
Digital Transmissions

Digital transmissions pass sounds in the form of a stream of binary numbers, rather than as an analogue electrical signal. [...]

POSTED ON September 12, 2001
Fibre Optic Cable

High bandwidth cable incorporating a number of very thin strands of glass on which information is conveyed in the form of pulses of light. Allows [...]

POSTED ON September 12, 2001
International mobile call rate

The rate charged when calling a mobile phone registered in another country (not to be confused with the rates charged for calling an Australian-registered mobile [...]

POSTED ON September 12, 2001
Memory Effect

'Memory effect' is experienced primarily by nicad batteries and it occurs when a battery is not fully discharged and/or fully recharged. It will 'think' its [...]

POSTED ON September 12, 2001
Number Portability

The ability of consumers to retain their existing telephone number when switching to a new service provider. Introduced to the mobile phone market on September [...]

POSTED ON September 12, 2001
PSTN

Stands for Public Switched Telephone Network. Another name for the general landline network to which public customers are connected. [...]

POSTED ON September 12, 2001
Switch

The switching function at the exchange necessary to establish a connection between two telephones. [...]

POSTED ON September 12, 2001
Cable Modem

A cable modem is a device that enables you to connect your PC to the internet via the high bandwidth cable used for pay TV. [...]

POSTED ON September 12, 2001
CMTS

Cellular Mobile Telephone Systems in which the coverage area is divided up into a large number of small areas, called cells, each of which has [...]

POSTED ON September 12, 2001
Direct-dial call

A call that is not operator-assisted. [...]

POSTED ON September 12, 2001
Flagfall

Also known as a “connection fee”, it is a fee charged by the service provider for every call that 'connects'. The amount of the fee [...]

POSTED ON September 12, 2001
Internet Call

A telephone set-up that enables users to make voice telephone calls via the Internet, thus by-passing the conventional long distance phone carriers. [...]

POSTED ON September 12, 2001
Off-Peak

Generally describes the hours of the day in which the least call traffic occurs (generally between the hours of 7pm to 7am Monday to Friday [...]

POSTED ON September 12, 2001
PUK

Stands for Pin Unlock Code. With most mobile phones if the PIN code is entered incorrectly three times the letters ‘PUK?’ will be displayed on [...]

POSTED ON September 12, 2001
Telecommunications

Any transmission, emission or reception of signs, signals, writing, images, sounds or intelligence of any nature by wire, radio, optical or other electromagnetic systems. [...]

POSTED ON September 12, 2001
Call Back

A method of cheaper international call access where calls are routed via a remote location avoiding local service providers. [...]

POSTED ON September 12, 2001
Community Call

An STD call over a short distance within a capital city offering cheaper rates than standard STD rates. Specifically, community call rates apply: on calls [...]

POSTED ON September 12, 2001
Directory Assistance

The service that maintains directory listings of subscribers' phone numbers and makes them available to customers. There is usually a fee associated with accessing a [...]

POSTED ON September 12, 2001
Games

Some mobile handsets have games installed in their software. [...]

POSTED ON September 12, 2001
Intranet

An internet-based network that operates like the World Wide Web, except to a closed group within a private company or organisation. [...]

POSTED ON September 12, 2001
Minimum Monthly Charge

The minimum amount you are required under contract to spend per month. [...]

POSTED ON September 12, 2001
Operator-Assisted call

A call connected with the assistance of an operator. [...]

POSTED ON September 12, 2001
Regional Call

A type of STD or national long distance call, with a different scale of charges that does not involve calling between major cities. [...]

POSTED ON September 12, 2001
Termination fee

Also called a Cancellation Fee, it is the penalty imposed by the service provider on a customer if they decide to terminate their service contract [...]

POSTED ON September 12, 2001
Call Barring

This is a network facility that can be accessed through most handsets providing the ability to restrict incoming or outgoing calls. There are different options [...]

POSTED ON September 12, 2001
Conference Call

This enables three or more people to participate in a single telephone call made from a basic telephone service to another basic telephone service within [...]

POSTED ON September 12, 2001
Drop-Out

When a call on a mobile telephone is prematurely cut off due to congestion or lack of coverage on the network. [...]

POSTED ON September 12, 2001
Global Roaming

Global roaming is the functionality of making and receiving calls as well as sending SMS while you are travelling overseas. However, you will be charged [...]

POSTED ON September 12, 2001
IR

Infra-Red Port. Allows the transmission of data without the need for cables. [...]

POSTED ON September 12, 2001
Mobile-to-mobile call rates

The cost of calls from one mobile phone to another mobile phone. The rate will usually differ depending on whether the other mobile is on [...]

POSTED ON September 12, 2001
Organiser Diary

The ability to store and recall important dates, times, appointments and meetings into your handset. [...]

POSTED ON September 12, 2001
Satellite Mobile Communications

Mobile telephones specifically designed to transmit radio signals directly to, and receive them directly from, telecommunications satellites rather than the standard GSM or other domestic [...]

POSTED ON September 12, 2001
TIO

The Telecommunications Industry Ombudsman (TIO) handles complaints from consumers and small business relating to telecommunications carriers and service providers. The TIO also handles complaints from [...]

POSTED ON September 12, 2001
Call Connect

A network feature where the operator you call for directory assistance then puts the call through to the business or person you are looking for. [...]

POSTED ON September 12, 2001
Connection Fee

A one-off flat fee to have a service set up. The term also applies to a 'flagfall', the flat fee charged when successfully connecting a [...]

POSTED ON September 12, 2001
Dual Band

In the past, digital mobiles have operated on a frequency of 900 megahertz, which is known as a radio band. Recently, another radio band has [...]

POSTED ON September 12, 2001
GPRS

Stands for General Packet Radio Service. This is a means of data transfer over the GSM network. Rather than sending or receiving a continuous stream [...]

POSTED ON September 12, 2001
ISDN

A set of international standards for digital telephone transmission. ISDN provides an end-to-end digital network and greater bandwidth than older telephone services. The two standard [...]

POSTED ON September 12, 2001
Model

A name or number designated to a particular handset in a product range. [...]

POSTED ON September 12, 2001
Override

Override is the ability to use a different phone company on a call-by-call basis by inserting a four-digit override code before making your call. Service [...]

POSTED ON September 12, 2001
Screen display area

On a mobile handset, it is the screen length (in millimetres) multiplied by its width. [...]

POSTED ON September 12, 2001
Toll-free Services

Often 1800 numbers whereby the receiver of the call, rather than the caller, pays for the cost of the call. [...]

POSTED ON September 12, 2001