Medical Cover FAQs | Fast Cover

Medical FAQs

  1. If I am overseas and need medical assistance, who do I call?

    If you have an emergency while you are travelling, contact our Emergency Assistance Team on the following numbers:

     

    AUSTRALIA 1800 010 075

    CANADA 1800 214 5514

    CHINA (NORTH) 10 800 6100 434

    CHINA (SOUTH) 10 800 261 1323

    FRANCE 0800 905 823

    GERMANY 0800 182 7635

    GREECE 00800 611 4107

    HONG KONG 800 900 389

    INDIA 0008 006 101 108

    INDONESIA 0018 036 1098

    ITALY 800 787 451

    JAPAN 0066 3386 1052

    MALAYSIA 1 800 81 5102

    NETHERLANDS 0800 023 2683

    NEW ZEALAND 0800 778 103

    SINGAPORE 800 6162 187

    SPAIN 900996115

    SWITZERLAND 0800 561 361

    THAILAND 001 8006 121 082

    UNITED KINGDOM 08000 289 270

    UNITED STATES 1866 844 4085

     

    For all other countries call reverse charge: +61 7 3305 7499

     

    You can also send the travel claims team an email on: travelclaims@allianz-assistance.com.au and also the medical team on email: medical@allianz-assistance.com.au

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  2. Am I covered for a new medical condition if I develop it after I buy travel insurance?

    Yes, as long as you were not aware of the medical condition at the time you bought your travel insurance and it was unexpected and unforeseen.

     

    Please note, you will NOT be able to make a claim regardless of when you purchased your policy or when the medical condition arises if it in any way is related to:

    - sexually transmitted diseases.

    - depression, anxiety, stress, any mental illness or nervous conditions.

    - suicide or attempted suicide.

     

    Please read the Product Disclosure Statement for full details about what is and is not covered.

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  3. If I need medical assistance, would I have to pay this amount up-front and put a claim in later? If I do need to pay upfront, what if I don't have the money to pay?

    Contact Emergency Assistance straight away and provide the details as to why you need medical assistance. The Emergency Assistance team can assess the situation and work out what would need to be done and assist you to find ways to pay any amount.

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  4. Am I covered for Ambulance costs if I have a Domestic Policy?

    No, you would need to claim it on your Private Health Insurance if you have it or pay the Ambulance bill.

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  5. If I get sick or injured and go to hospital, do I have to pay the hospital fees first and then make a Claim?

    If you are hospitalised, please contact Allianz Global Assistance as soon as possible. If you are too ill to do this, give your Policy details to your medical team, who will be able to contact Allianz Global Assistance on your behalf.

     

    If the cost of the treatment is significant (more than $2000), Allianz Global Assistance will communicate with your medical team as to your condition and treatment. If approved, Alliance Gloabal Assistance will be your guarantor and pay the hospital directly for your hospital bills.

     

    If the cost of the treatment is under $2,000, you may need to pay for your costs upfront and make a claim at a later date.

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  6. Why don't I have any Medical Cover whilst in Australia?

    As you are travelling in Australia, you are still covered under Medicare and/or your Private Health Insurance.

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  7. Are food allergies and intolerances covered?

    Yes, this includes peanut allergies.

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  8. Is Ebola covered?

    No, Ebola is NOT covered as it comes under the category of Pandemic or Epidemic. Even if you buy your policy before an outbreak, you are NOT covered for Pandemics or Epidemics.

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  9. Can I buy travel insurance if I'm Pregnant?

    Pregnancy is covered under our policies provided it is a single pregnancy, without complications and you are NOT past the 23rd week.

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  10. What is the meaning of 'AICD/ICD' in the PDS?

    'AICD/ICD' means an implantable cardioverter- defibrillator (ICD), also known as an automated implantable cardioverter defibrillator (AICD).

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  11. What is the meaning of 'Chronic' in the PDS?

    'Chronic' means a persistent and lasting condition. It may have a pattern of relapse and remission.

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  12. 'What is the meaning of Epidemic' in the PDS?

    'Epidemic' means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

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  13. What is the meaning of 'Hospital' in the PDS?

    'Hospital' means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

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  14. What is the meaning of Injure', Injured' or 'Injury' in the PDS?

    'Injure', 'Injured' or 'Injury' means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.

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  15. What Is the meaning of 'Medical Adviser' in the PDS?

    'Medical Adviser' means a qualified doctor of medicine or dentist, other than you or a relative, registered in the place where you received the services.

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  16. What is the meaning of 'Pandemic' in the PDS?

    'Pandemic' means a form of an epidemic that extends throughout an entire continent.

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  17. What is the meaning of 'Permanent disability' in the PDS?

    'Permanent disability' means:

    • you have totally lost all of the sight in one or both eyes, or the use of a hand or foot at or above the wrist or ankle; and
    • the loss is for at least 12 months and, in our opinion after consultation with an appropriate medical specialist, will continue indefinitely.

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  18. What does 'Reciprocal Health Care Agreement' mean in the PDS?

    'Reciprocal Health Care Agreement' means an agreement between the Government of Australia and the government of another country where residents of Australia are provided with subsidised essential medical treatment. (Please visit www.dfat.gov.au for details of Reciprocal Health Care Agreements with Australia.)

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  19. What does 'Sick' or 'Sickness' mean in the PDS?

    'Sick' or 'Sickness' means a medical condition, not being an injury, the symptoms of which first occur or manifest during your period of cover.

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  20. Can I choose my own doctor if I get sick or injured?

    You are free to choose your own medical adviser or we can appoint an approved medical adviser to see you, unless you are treated under a reciprocal health care agreement. You must, however, advise Allianz Global Assistance of your admittance to hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, Allianz Global Assistance can assist you, but neither Allianz nor Allianz Global Assistance are liable for anything that results from that.

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  21. What is covered under 'Overseas Emergency Medical Assistance'?

    You only have this cover if you chose Plan A, B, C, M, or S.

    PLEASE NOTE: You will not have cover under this Policy Section of the PDS while travelling in Australia, unless you are travelling on a domestic cruise in Australian waters and have purchased Plans A, S, C or B (selecting Region 3) or Plan M.

    Allianz Global Assistance will help you with any overseas medical emergency (see 'Overseas Hospitalisation or Medical Evacuation' on pages 29 and 30 of the PDS). You may contact them at any time 7 days a week.

    We will pay:

    Allianz Global Assistance will arrange for the following assistance services if you injure yourself overseas, or become sick while overseas:

    a) Access to a medical adviser for emergency medical treatment while overseas.

    b) Any messages which need to be passed on to your family or employer in the case of an emergency.

    c) Provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.

    d) Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or be brought back to Australia with appropriate medical supervision.

    e) The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.

    f) If you die as a result of an injury or a sickness during your journey, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home. The maximum amount we will pay is $15,000 per person.

    Please note that we will not pay for any costs incurred in Australia.

    We will not pay:

    a) We will not pay for any expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by Allianz Global Assistance.

    b) We will not pay if you decline to promptly follow the medical advice we have obtained, and we will not be responsible for subsequent medical, hospital or evacuation expenses.

    c) We will not pay for medical evacuation or the transportation of your remains from Australia to an overseas country.

    d) We will not pay any claims arising from snow sport activities under this Policy Section, regardless of whether you have purchased Plan S (Comprehensive with Snow Cover) (however, refer to Policy Section 17 - Snow Sport Overseas Emergency Medical Assistance of the PDS).

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  22. What is covered under 'Overseas emergency medical & hospital expenses'?

    You only have this cover if you chose Plan A, B, C, M or S.

    PLEASE NOTE: You will not have cover under this Policy Section of the PDS while travelling in Australia, unless you are travelling on a domestic cruise in Australian waters and have purchased Plans A, S, C or B (selecting Region 3) or Plan M.

    We will pay:

    a) We will reimburse the reasonable medical or hospital expenses you incur until you get back to Australia if you injure yourself overseas, or become sick there. The medical or hospital expenses must have been incurred on the written advice of a medical adviser. You must make every effort to keep your medical or hospital expenses to a minimum.

    If we determine, on medical advice, that you should return home for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in the Table of Benefits, which we reasonably consider to be equivalent to:

    • your medical expenses and/or related costs incurred overseas to the date we advise you to return to Australia; plus
    • the amount it would cost us to return you to Australia; plus
    • the amount of any cancellation fees and lost deposits you would have incurred had you followed our advice.

    We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

    b) We will also pay the cost of emergency dental treatment up to a maximum amount of $500 per person for dental costs incurred, which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth. Please note that we will not pay for any costs incurred in Australia.

    We will not pay:

    a) For expenses arising from pre-existing medical condition, except as specified under the 'Pre- existing Medical Conditions' section - see pages 23 to 25 of the PDS for more detail.

    b) When you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital.

    c) For expenses after 2 weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance.

    d) If you do not take the advice of Allianz Global Assistance.

    e) If you have received medical care under a reciprocal health care agreement.

    f) For expenses for damage to dentures, dental prostheses, bridges or crowns.

    g) For expenses relating to dental treatment involving the use of precious metals or for cosmetic dentistry.

    h) For any claims arising from snow sport activities under this Policy Section, regardless of whether you have purchased Plan S (Comprehensive with Snow Cover) (however, refer to Policy Section 18 - Snow Sport Overseas Emergency Medical & Hospital Expenses of the PDS for more detail)

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  23. What is the 'Hospital Cash Allowance'?

    You only have this cover if you chose Plan A, B, M or S. \

    PLEASE NOTE: You will not have cover under this Policy Section of the PDS while travelling in Australia

    We will pay:

    If, as a result of an injury or sickness during your journey, you are hospitalised overseas for a continuous period of more than 48 hours then we will pay you $50 for each day in excess of 48 hours that you continue to be hospitalised.

    We will not pay:

    We will not pay if you cannot claim for overseas medical expenses in Policy Section 3 (Overseas Emergency Medical & Hospital Expenses) of the PDS.

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  24. What is 'Accidental death' cover?

    You only have this cover if you chose Plan A, D, M or S

    We will pay:

    We will pay the death benefit to your estate if:

    a) you are injured during your journey and you die because of that injury within 12 months of the injury; or

    b) during your journey, something you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within 12 months.

    The amount we will pay for the death of accompanying dependants is $5,000 per dependant.

    We will not pay:

    YOU MUST CHECK 'GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS' PAGES 50 TO 52 OF THE PDS FOR OTHER REASONS WHY WE WILL NOT PAY.

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  25. What is 'Loss of income' cover?

    You only have this cover if you chose Plan A, M or S.

    PLEASE NOTE: You will not have cover under this Policy Section of the PDS while travelling in Australia.

    We will pay:

    If during your journey you suffer an injury requiring medical treatment overseas, and:

    • because of the injury you become disabled within 30 days; and
    • the disablement continues for more than 30 consecutive days from the date of your return to Australia; and
    • you are under the regular care of and acting in accordance with the instructions or advice of a medical adviser who certifies in writing that the disablement prevents you from gainful employment; and
    • as a result you lose all your income, then we will pay you up to $400 per week for up to 26 continuous weeks, starting from the 31st day after your return to Australia.

    We will not pay:

    We will not pay for the loss of income of dependants.

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