|
Summary Benefit Table each membership year |
Essential |
Classic |
Gold |
Overall Annual Maximum US$ |
$1,000,000 |
$1,500,000 |
$2,000,000 |
In-patient treatment |
Hospital accommodation |
Paid in full |
Paid in full |
Paid in full |
Surgical operations, including pre and post operative care |
Nursing care, drugs and surgical dressings |
Physicians fees |
Theatre charges and intensive care |
Pathology, X-rays, diagnostic tests and physiotherapy |
Prosthetic implants, prosthetic devices and appliance (to $4,000 per device) |
Parent accommodation |
Psychiatric treatment (after 2 year's membership) |
| Out-patient treatment |
Out-patient surgical operations |
Paid in full |
Paid in full |
Paid in full |
Wellness, mamogram, PAP test, prostate cancer screening (after 1 year's membership) |
n.a. |
$1,000 |
$1,000 |
Physiotherapy, osteopathy and chiropractor treatment |
n.a. |
Paid in full to 15 visits |
Paid in full to 30 visits |
Costs for treatment by therapists & complementary medicine practitioners |
n.a. |
Paid in full up to 5 visits |
Paid in full up to 15 visits |
Consultants' fees & psychologists' fees for psychiatric treatment (after 2 years membership) |
n.a. |
Paid in full up to 15 visits |
Paid in full up to 30 visits |
Pathology, X-ray and diagnostic tests |
n.a. |
$10,000 |
Paid in full |
Consultants fees for consultations (Specialists) |
n.a. |
$10,000 |
Paid in full |
Costs for treatment by a family doctor |
n.a. |
n.a. |
Paid in full up to 35 visits |
Prescribed drugs and dressings |
n.a. |
n.a. |
$1,200 |
Accident-related dental treatment |
n.a. |
n.a. |
$800 |
| Further benefits |
Cancer treatment |
Paid in full |
Paid in full |
Paid in full |
Maternity cover (after 10 months membership) |
n.a. |
$6,000 |
$10,000 |
Advanced imaging |
Paid in full |
Paid in full |
Paid in full |
Transplant services |
Paid in full |
Paid in full |
Paid in full |
Local air ambulance |
$10,000 |
$10,000 |
$10,000 |
Home nursing after in-patient treatment |
$200 x 10 days |
$200 x 20 days |
$200 x 30 days |
In-patient cash benefit |
$150 x 20 days |
$150 x 20 days |
$150 x 20 days |
HIV / AIDS drug therapy including ART (after 5 years membership) |
n.a. |
$20,000 |
$20,000 |
Hospice and palliative care |
$40,000 whole membership |
$40,000 whole membership |
$40,000 whole membership |
In-patient rehabilitation |
Paid in full up to 30 nights |
Paid in full up to 30 nights |
Paid in full up to 30 nights |
Newborn care (90 days following birth) |
$150,000 |
$150,000 |
$150,000 |
Healthline services |
Included |
Included |
Included |
| Optional benefits (if purchased) |
USA cover |
100% of costs in network. 80% out of network if pre-authorised.
50% if not pre-authorised |
Assistance cover |
The overall annual maximum benefit does not apply |