Health Insurance

Surgery

Unlimited maximum cover.

Cancer Care

Up to $500,000 per life assured, per policy year, subject to maximums for specific treatments or procedures (unlimited for surgery).

Mental Health Support Benefit

Up to $2,500 per life assured, per policy year. No excess applies.

Minor Surgery Benefit

Up to $3,000 per life assured, per policy year. No excess applies.

Medical Hospitalisation

Up to $500,000 per life assured, per policy year.

Please note that hospitalisation and hospice care costs in relation to cancer are covered under the Cancer Care benefit and not this benefit.

Congenital Conditions Surgery Benefit

Up to $2,000 per life assured, per lifetime.

Major Diagnostic Imaging and Tests

Up to $200,000 per life assured, per policy year.

Home Nursing

Up to $300 per day, up to $5,000 per life assured, per policy year. No excess applies.

Waiver of Premium on Death

Two years’ free cover for the surviving lives assured covered by the policy upon the death of a policy owner (where the death is not caused by something excluded under the policy). No excess applies.

Bereavement Grant

$3,500 per life assured, per lifetime. No excess applies.

Parents Grieving Benefit

$2,000 per child. No excess applies.

Treatment Away from Home in New Zealand

Up to $3,000 per life assured, per policy year, with a daily sub-limit of $300 for accommodation costs. No excess applies. This is a combined maximum for the Treatment Away from Home in New Zealand benefit and the Parent Accommodation Benefit.

Parent Accommodation Benefit

Up to $3,000 per life assured, per policy year, with a daily sub-limit of $300 for accommodation costs. No excess applies. This is a combined maximum for the Treatment Away from Home in New Zealand benefit and the Parent Accommodation Benefit.

Ambulance Transfer Benefit

Up to $200 per life assured, per policy year. No excess applies.

Voluntary Treatment Overseas

For treatment in Australia, the maximum cover for the applicable benefit applies.

For treatment overseas but outside Australia, this benefit covers 85% of reasonable charges for the approved treatment, subject to the maximum cover for the applicable benefit.

Prior approval is required.

Translation Costs

Up to $500 per life assured, per policy year.

Medically Necessary Treatment Overseas

For medically necessary treatment where the waiting period for treatment in an approved facility in New Zealand is greater than six months, the maximum cover for the applicable benefit applies.

For medically necessary treatment not available in New Zealand, the maximum amount of cover is $30,000 per life assured, per policy year.

Prior approval is required.

Public Hospital Credit

One year’s free cover where a life assured has a treatment or procedure in a public hospital that would otherwise have been covered by a benefit in this policy and that treatment or procedure includes overnight admission of two or more night’s stay. No excess applies.

Public Hospital Cash Grant

$300 per day up to $3,000 per life assured, per policy year. No excess applies.

Obstetric Care Allowance

Up to $2,000 per life assured, per policy year. No excess applies. Caesarean sections are specifically excluded.

Medical Misadventure

Up to $30,000 per life assured, per lifetime.

Sterilisation

Up to $5,000 per life assured, per life of the policy.

Bariatric Surgery

Up to $7,500 per life assured, per lifetime for the Bariatric Surgery and Bilateral Breast Reduction benefits combined.

Bilateral Breast Reduction

Up to $7,500 per life assured, per lifetime for the Bariatric Surgery and Bilateral Breast Reduction benefits combined.

Specialist Consultations

Up to $10,000 per life assured, per policy year.

Diagnostic Imaging and Tests

Up to $100,000 per life assured, per policy year.

Pregnancy, Maternity and Infertility Allowance

Up to $1,500 per pregnancy, per life assured, per policy year after two years of continuous cover. No excess applies.

Health Screening Allowance

Up to $500 per life assured for each three-year period after three years of continuous cover, or $750 per life assured for each three-year period after two years of continuous cover if the life assured is a member of AIA Vitality. No excess applies.