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: 

    1) In Australia
    02 8320 7999

    2) From overseas
    +61 2 8320 7999 

    3) Email: emergency@fastcover-assist.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 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. 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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  8. 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:

    • Up to the 23rd week of pregnancy if you are pregnant with a single child; or
    • Up to the 19th week of pregnancy if you are pregnant with twins or multiple children.

    Cover is subject to the applicable terms and conditions, exclusions and limitations of the policy.

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  9. 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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  10. 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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  11. '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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  12. 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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  13. 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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  14. 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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  15. 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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  16. 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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  17. 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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  18. 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.

    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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  19. 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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  20. 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 “Automatically Covered Pre-existing Medical Conditions” on page 25 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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  21. 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 Preexisting Medical Conditions on page 25.
    • 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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  22. 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 above.

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

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  23. 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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  24. 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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