Benefit 2: Overseas Emergency Medical and Hospital Expenses

This benefit provides cover for Your unexpected medical and Hospital expenses incurred while You are Overseas due to the circumstances as explained below.

For the reimbursement of the reasonable Overseas emergency medical or emergency Hospital expenses incurred by You during Your Trip 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 reasonably determine that You should return to Australia for treatment (based on the information that is available to Us at the time) and You do not agree to do so, then We will pay You the amount that We determine would cover Your Overseas 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 Overseas treatment received and/or Hospital accommodation for a maximum of 12 months from the Sickness date or from the Injury date.

For any claims Arising from activities listed under Adventure Activities (if You did not select “Adventure Pack”), unless the additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
For any claims Arising while being the rider or passenger on a motorcycle, moped or scooter (if You did not select “Motorcycle Pack”), unless the additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus” Policy), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium.
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 the continuation or follow up of medical treatment (including medication and ongoing immunisations) that started prior to Your Trip.
For more than the applicable limits set out in the Benefit Summary above.
When You have not notified Us as soon as practicable.
For any medical treatment or costs after You have refused Our advice or instructions for You to return to Your Home, when We have reasonably considered You were fit to return Home according to the available medical advice.
After 2 weeks of treatment by a chiropractor or physiotherapist unless approved by Us.
For any dental expenses, unless Arising from an Injury.
For any dental expenses Arising from biting, chewing or eating.
Any costs (such as treatment or surgery) which is not immediately medically necessary and can wait until You return Home (such as routine medical, dental or prenatal visits).
For any medical or ancillary expenses incurred in Australia.
For routine medical check-ups.
If You have received medical care that is covered by a Reciprocal Health Care Agreement between Australia and another country. The list of countries that Australia has a Reciprocal Health Care Agreement with can be found at smartraveller.gov.au.

Please also read General Exclusions that apply to all benefits.