Medical Cover FAQs | Fast Cover

Medical Cover 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 Worldwide 24/7 Emergency Assistance team.

     

     

     

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

    If you become aware that you have a new medical condition after you purchased travel insurance and before your departure date, you can still be covered for Trip Cancellation costs under the policy, as long as the medical condition was unexpected and unforeseen.

    Eg. If your doctor advises you to cancel your trip due to your new medical condition, you can put a claim in for trip cancellation costs.

    There is no cover under any other benefits between the time of purchase and the end of your insurance policy period for claims arising from this new medical condition, as it would considered a pre-existing medical condition.

    If you become suddenly ill or injured overseas on your trip and it is not related to any pre-existing medical conditions, you may still be covered for any overseas medical expenses.

    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.
    * 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 the Worldwide 24/7 Emergency Assistance team straight away and provide the details as to why you need medical assistance. The Worldwide 24/7 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 Plus 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 the Worldwide 24/7 Emergency Assistance team 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 the Worldwide 24/7 Emergency Assistance team on your behalf.

     

    If the cost of the treatment is significant (more than $2000), the Worldwide 24/7 Emergency Assistance team will communicate with your medical team as to your condition and treatment. If approved, the Worldwide 24/7 Emergency Assistance team will be your guarantor and pay the hospital directly for your hospital bills. Claims will be assessed on a case by case basis, as all situations will differ depending on your circumstances.

    If the cost of your medical or hospital expenses is under $2,000, and is a claimable event under the terms of your policy, you will need to pay 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?

    Food INTOLERANCES are automatically covered (subject to your policy limits and exclusions).

    Food intolerances include: 

    • Coeliac Disease
    • Lactose Intolerance
    • Non-Coeliac Gluten Intolerance

     

    Food ALLERGIES are NOT covered if you were aware of the allergy at the time of policy purchase.

    If you are not aware you have a food allergy at the time of policy purchase and you suffer an allergic reaction for the first time during your trip and period of cover, then there is provision for cover for that allergy (subject to your policy limits and exclusions).

    Food allergies include: 

    • Eggs
    • Fish
    • Milk protein
    • Tree Nuts (hazelnuts, walnuts etc)
    • Peanuts
    • Shellfish
    • Soya
    • Gluten (e.g wheat etc)
    • Sesame

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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?

    Yes, you can buy travel insurance from Fast Cover if you are pregnant provided you are:

    a) up to and including the 23rd week for a single pregnancy OR up to and including the 19th week for twins or multiple children; and

    b) it is without complications*

    *Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

    Pregnancy is considered a 'pre existing medical condition' under the policy and you should read the PDS wording carefully before taking out cover.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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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 in medicine. We do not consider that chronic pain has to be constant pain. In many situations it has a pattern of relapse and remission. The pain may be long-lasting, recurrent (occurred on more than 2 occasions) or characterized by long suffering.

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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 Insurance and does not result from any illness, Sickness, disease, or self-harm.

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

    'Medical Practitioner' means a qualified doctor of medicine or dentist registered to provide the relevant service in the place where you receive the services acting within the scope of their registration and pursuant to the relevant laws.

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

    'Pandemic' means a geographically widespread outbreak of an infectious disease that causes serious illness in humans.

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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. The list of countries that Australian has Reciprocal Health Care Agreement Agreements with can be found at www.smarttraveller.gov.au.

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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, which first occurs or first manifests during Your Period of Insurance.

    Sickness includes mental illness.

    For the purposes of this definition a Sickness that first manifests itself on the earlier of:

    • the date Your Medical Adviser reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness, first occurred or manifested, whichever is the earlier;
    • the date our Medical Adviser reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness, first occurred or manifested, whichever is the earlier;
    • the date You first became aware of the Sickness or symptoms of the Sickness, whichever is the earlier;
    • the date a reasonable person in the circumstances would have been aware of the Sickness or symptoms of the Sickness, whichever is the earlier; or
    • the date the Sickness or symptoms of the Sickness, were first diagnosed by a Medical Adviser, whichever is the earlier.

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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 practitioner or we can appoint an approved medical practitioner to see you, unless you are treated under a Reciprocal Health Agreement. you must, however, advise us 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, we can assist you, however we (the Insurer) and the agents of the insurer, are not liable for any problems that result from you choosing your own medical practitioner.

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  21. What is covered under 'Overseas 24/7 Emergency Medical Assistance'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver policies.

    The Worldwide 24/7 Emergency Assistance team will help you with any overseas medical emergency. You may contact them at any time 7 days a week.

    We will pay:

    If, while on a trip overseas, you injure yourself or become sick we will arrange for:

    • Access to a medical practitioner for emergency medical treatment while overseas.
    • Any messages which need to be passed on to your family or employer in the case of an emergency.
    • The provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.
    • 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.
    • The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.
    • If you die as a result of an injury or a sickness during your trip, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home in Australia. The maximum amount we will pay is $15,000 in total for each insured person named in the policy.

    We will not pay:

    • For claims arising from Pre-existing Medical Conditions except as specified under the “Automatically Covered Pre-existing Medical Conditions” section of the PDS.
    • For medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us.
    • If you decline to promptly follow our medical advice (and we also will not be responsible for subsequent medical, hospital or evacuation expenses).
    • For medical evacuation or the transportation of your remains from Australia to an overseas country.
    • For any medical costs incurred in Australia.
    • For any claim under a Domestic Plus Policy.

    Please also read the General exclusions that apply to all benefits in the PDS.

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  22. What is covered under 'Overseas Emergency Medical & Hospital Expenses'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver policies.

    PLEASE NOTE: You will not have cover under this Policy Benefit of the PDS while travelling in Australia, unless you are travelling on a domestic cruise in Australian waters and have purchased a cruise policy.

    We will pay:

    • Subject to the age limits set out in the Benefit Summary above, for the reimbursement of the reasonable medical or hospital expenses incurred by you until you get back to Australia if you are injured or become sick overseas. 

      The medical or hospital expenses must have been incurred due to a claimable event and confirmed in writing by a medical practitioner. You must make every effort to keep your medical or hospital expenses to a minimum.

      If we determine that you should return to Australia for treatment and you do not agree to do so then we will pay you the amount that we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for.

      We will only pay for treatment received and/or hospital accommodation overseas during the 12 months’ period after the sickness first manifested itself or the injury date and within the same period of cover.

    We will not pay:

    • For claims arising from Pre-existing Medical Conditions except as specified under the heading Pre-existing Medical Conditions in the PDS..
    • For planned medical procedures, cosmetic treatments, or other non-emergency medical treatments or for any complications or other claims arising from such procedures or treatments.
    • For more than the applicable limits set out in the Benefit Summary above.
    • When you have not notified us as soon as practical of your admittance to hospital.
    • If you do not take our advice.
    • After 2 weeks of treatment by a chiropractor or physiotherapist unless approved by us.
    • For any costs incurred in Australia.
    • If you have received medical care that is covered by a Reciprocal Health Care Agreement between Australian and another country. The list of countries that Australian has a Reciprocal Health Care Agreement with can be found at smarttraveller.gov.au.  

     

    Please also read the General exclusions that apply to all benefits in the PDS.

     

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  23. What is the 'Hospital Cash Payment'?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies.

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

    We will pay:

    • Up to the limits set out in the Benefit Summary in the PDS, if you suffer an injury or sickness on an overseas trip, $50 for each 24-hour period you are in hospital after you are in hospital for more than 48 continuous hours
    • The maximum amount we will pay under this benefit is $5,000.

    We will not pay:

    • For the first 48 continuous hours you are in hospital.
    • If you cannot claim for overseas medical expenses in Benefit 2 (Overseas Emergency Medical and Hospital Expenses).
    • For more than the applicable limits set out in the Benefit Summary listed in the PDS.

    Please also read the General Exclusions that apply to all benefits in the PDS.

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  24. What is 'Accidental death' cover?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

    We will pay:

    Your estate, up to the limits set out in the Benefit Summary of the PDS, if:

    • You are injured during your trip and you die because of that injury within 12 months of the injury date; or
    • During your trip, the mode of transport you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within 12 months.

    We will not pay:

    • For death caused by suicide or for any reason other than caused by injury as defined under “Words With Special Meaning” on pages 5 to 10 of the PDS.
    • For more than the applicable limits set out in the Benefit Summary of the PDS.

    Please also read the General Exclusions that apply to all benefits in the PDS.  

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  25. What is 'Loss of income' cover?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

    We will pay:

    If You are Injured during Your Trip and become disabled within 30 days of the Injury Date because of the Injury, and the disablement continues for more than 30 days after Your return to Your Home (Your “waiting period”), We will pay You up to $400 per person, per complete week of continued disability following the waiting period for a period of up to 26 weeks to replace Your lost income. We will only pay if You cannot perform Your normal or suitable alternative work and You lose all Your income.

    You must:

    • Obtain a medical report from Your treating doctor overseas during Your trip where the injury occurred confirming the disablement.
    • Provide Us satisfactory evidence of Your lost income.

    Cover is limited to $10,000.

    We will not pay:

    • For the first 30 days of Your disablement from the time You return to Your Home.
    • For the loss of income of Dependants.

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  26. Do you cover for overseas emergency medical evacuation?

    Yes, you are covered for overseas emergency medical evacuation for unexpected and unforeseen medical emergencies. Medical evacuation must be approved and arranged by us.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  27. Does Medical Cover include cover for dental, optical and hospital expenses?

    Yes, Medical cover includes cover for emergency medical situations overseas. The level of cover for emergency dental expenses for the relief of sudden and acute pain to sound and natural teeth depends on the type of policy you choose.

    Refer to the Benefit Summary in the PDS for benefit limits. 

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  28. Do I need to do a Medical?

    No, we don't require any medical forms to be completed prior to purchasing a policy.

    We have a list of Pre-Existing Medical Conditions that we do cover (some restrictions apply), and anything NOT on that list is excluded from cover.

    In the event of a claim you may be asked to provide your medical history.

    For more details refer to our website: https://fastcover.com.au/what-we-cover/pre-existing-medical-conditions

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  29. Can I get travel insurance if I have cancer?

    Cover for the Cancer would be excluded from our policies.

    We can still issue a policy for you, but any claims arising from, or related to the pre-existing condition you have described would not be covered.

    Claims unrelated to this condition may be covered as normal as outlined in our Product Disclosure Statement (http://fastcover.com.au/pds).

    Cover is subject to the policy terms, considerations, limits and exclusions in the PDS.

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  30. Am I covered if a relative is hospitalised and I have to cancel my holiday?

    Cover would be dependent on your relative's situation:

    1) You are covered if your relative is hospitalised unexpectedly and the reason was not due to any pre-existing medical condition.

    2) You may be able to claim if you were aware that your relative has a pre-existing medical condtion at the time of policy purchase, which is a condition that we can cover for AND you were NOT aware of the likelihood of hospitalisation or death.

    The most we will pay is:

    * $2000 for Single policies

    * $2000 per person for DUO policies

    * $4000 for Family policies

    3) There would be no cover If you were aware that your relative has a pre-existing medical condtion at the time of policy purchase AND you were aware of the likelihood of hospitalisation or death.

    4) There would be no cover if your relative has a pre-existing medical condition that is NOT on our list of pre-existing medical conditions that we can cover for.

    Cover is subject to the policy terms, considerations, limits and exclusions in the PDS.

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  31. Am I covered if I am taking aspirin as a preventative measure?

    1) You are covered if you are taking aspirin only as a preventative measure and it is not being taken to treat a specific pre-existing medical condition.
    2) If you are taking aspirin to treat a pre-existing medical condition, you would not be covered for your pre-existing condition.
    3) If you are taking prescription blood thinners* for your pre-existing medical condition, you are excluded from any medical cover whether or not it is related to your pre-existing medical condition. For example: If you are taking prescription blood thinners for a heart attack, and while overseas you trip over and break your leg, you would not be able to claim for the medical costs for your broken leg, even if the fall had nothing to do with your heart condition.

    *A prescription blood thinner (including any type of aspirin) which has been prescribed by your doctor, or is being taken on the advice of your doctor.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  32. Do your policies cover for Dental?

    Yes, you are covered for emergency dental expenses incurred overseas for the relief of sudden and acute pain to sound and natural teeth.

    The level of cover for emergency dental expenses depends on the type of policy you choose.

    Refer to the Benefit Summary in the PDS for benefit limits.

    Cover is subject to the policy terms, considerations, limits and exclusions in the PDS.

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  33. What if I need to see a doctor while I'm on my holiday?

    If you unexpectedly get sick or injured overseas, you can claim for the cost of seeing a doctor and any medication you require.

    You would need to pay for the consultation and medication and put a claim in for the expenses.

    Ensure that you keep all receipts and documentation to support your claim.

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  34. Am I covered for chicken pox?

    Yes, you are covered for the unexpected and unforeseen onset of chicken pox.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  35. Am I covered for Repatriation?

    Yes, you are covered for repatriation or evacuation for unexpected and unforeseen medical emergencies.

    Repatriation and evacuation must be approved and arranged by us.

    Contact the emergency assistance team for advice on what you need to do.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  36. What pre-existing medical conditions don't you cover?

    Our policies automatically cover a set list of 43 Pre-Existing Medical Conditions which you can view on our website.

    Unfortunately, if it is not listed it means we would not be able to provide any cover for your condition.

    We can still issue you with a policy and you would still receive all the other benefits including medical claims that are unrelated to your pre-existing condition. However, claims arising from or related to that specific pre-existing medical condition would not be covered.

    Please note we are also unable to provide ANY medical cover for travellers taking a prescription blood-thinning medication such as Warfarin.

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  37. Are prescription medicines prescribed by a doctor overseas covered?

    Yes, prescription medication prescribed for new conditions developed during your trip are covered.

    The cost of buying prescription medication for existing medical conditions is NOT covered.

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  38. What does 'Injury date' mean?

    Means the date you are injured and will be deemed to be the earlier of:
    • the date your medical practitioner reasonably diagnoses as the most likely date of the injury;
    • the date our medical practitioner reasonably diagnoses as the most likely date of the injury;
    • the date you first became aware of the injury or a reasonable person in the circumstances would have
    been aware of the injury;
    • the date you first received medical treatment for the injury; and
    • the date the injury is first diagnosed by a medical practitioner.

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