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Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses

This benefit provides You with Overseas medical expenses and medical support services if You experience a medical emergency due to contracting COVID-19 while You are in a country listed on Your Certificate of insurance.

Important Cover Conditions

Cover under Benefit 27 is subject to the following conditions:

  • There is no cover for the cost of any COVID-19 testing unless undertaken as part of Your hospitalisation.
  • The medical or Hospital expenses must be confirmed in writing by a Medical practitioner. You must make every reasonable 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, acting reasonably, would cover Your medical expenses and/or related costs Overseas 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 during the 12 months period after the Sickness date or the Injury date and within the Period of insurance.
  • If You need to return to Your Home and do not hold a return ticket, We will reduce the amount of Your claim by the price of the new fare. The fare will be at the same fare class as the one You left for Your Trip on.
We will pay

Subject to terms and conditions, limits and exclusions included in the PDS, for the reimbursement of the reasonable emergency medical, Hospital or medical evacuation expenses incurred by You until You get back to Australia if during Your Trip, You are diagnosed with COVID-19 in a country listed on Your Certificate of insurance.

We will not pay

For any claims, costs, or losses Arising from or related to:

  • Any COVID-19 testing costs unless undertaken as part of Your hospitalisation in a country listed on Your Certificate of insurance.
  • Any claim where Your COVID-19 diagnosis is made, or You tested positive to COVID-19 within 72 hours of the Policy being purchased.
  • Any Sickness, Injury and/or Medical conditions other than COVID-19.
  • When You have not notified Us as soon as practicable of Your admittance to Hospital.
  • 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 reasonable advice based on the information that is available to Us at the time the advice is provided (and We also will not be responsible for subsequent medical, Hospital or medical evacuation expenses).
  • The continuation or follow up of medical treatment (including medication and ongoing immunisations) that started prior to Your Trip.
  • After 2 weeks of treatment by a chiropractor or physiotherapist unless approved by Us.
  • Medical evacuation or the transportation of Your remains from Australia to an Overseas country.
  • Emergency medical treatment, Hospital, or medical evacuation expenses which is provided to You in Australia (including any gap payments).
  • If You have received medical care that is covered by a Reciprocal Health Care Agreement between Australia and the country You are being treated in.
  • More than the applicable limits set out in the Benefit Summary above.

Please also read General Exclusions that apply to all benefits.