Non Medicare Medical Expenses (and other benefits)
What does this section cover?
This cover reimburses expenses that are not standard Medicare items and incurred within twelve (12) calendar months of you sustaining an injury. This cover includes the cost of medical supplies and ambulance hire.
Important Information
The Health Insurance Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any charges covered by Medicare (including the Medicare Gap).
This means that any charges for treatment from a Doctor, Surgeon, Anaesthetist or Surgeon’s Assistant are not covered. It also means charges for X-Ray, some MRI Scans (if Medicare registered) and Public Hospitals are not covered. In addition, there will be no refund in respect of:
- any expenses recoverable by you from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
- any expense to which the Medicare Act 1983 or any of the regulations made there under apply.
What are the benefits payable? (Insurance Cover Limits)
| Benefit | Description | Cover |
|---|---|---|
| Non-Medicare Medical | Reimbursement of Non-Medicare Medical expenses incurred as a result of injury and paid by You. |
|
| Physiotherapy | Reimbursement of physiotherapy costs incurred and paid by You. Maximum per claim and Excess as with standard Non-Medicare medical costs. |
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| Student Assistance | Covers reasonable and necessary expenses incurred and paid by You or Your parents or guardian for services relating to education, schooling, travel costs, home tutoring, special tutoring and special equipment. Available to full time students under 25 yrs of age only. |
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| Parents Inconvenience Allowance | Covers reasonable and necessary expenses incurred by Your parents to visit You whilst hospitalised through injury. Available for each day a full time student under 20 years of age is hospitalised. |
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| Home Help Expenses | Covers reasonable and necessary expenses incurred and paid by You for services related to home duties, for every week of continuous total disablement. Available to non-income earners only. |
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| Funeral Expenses | Reimbursement of actual costs of Your funeral if You die as a result of an injury for which a claim is payable. |
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Age Limitations
The age limitations under this section of the Program are 3 to 100 years.