BENEFIT
COVERED EXPENSES
MAXIMUM COVER
Covers reasonable charges incurred during a surgical hospitalisation when referred by a specialist including:
> Surgeon fees
> Anaesthetist fees
> Diagnostic fees
> Hospital fees including:
–
Accommodation
–
Operating theatre fees
– Ancillary hospital charges including: anaesthetic supplies, dressings, pathology tests, ECG, post operative physiotherapy, medication (prescribed and taken while in hospital) – Disposable laparoscopic equipment (separate maximum cover may apply)
General surgery performed in a private hospital
Unlimited.
Includes pre- admission and post discharge below.
– Prostheses (separate maximum cover may apply)
Also covers reasonable charges incurred for the following procedures performed on a life assured admitted overnight to a private hospital , when recommended by a specialist :
Excess applies.
> Dilatation and curettage
> Arthroscopy
> Hysteroscopy
> Laparoscopy
Breast reconstruction of the affected breast only following a mastectomy for the treatment of diagnosed cancer.
Breast reconstruction following mastectomy
Prior approval must be obtained before the procedure takes place.
Cover is not provided for breast reconstruction following any mastectomy which is a prophylactic procedure.
Covers costs up to the maximum cover for procedures on the unaffected breast to achieve breast symmetry following a mastectomy. This will be available either during or following the mastectomy to treat the diagnosed cancer of the affected breast, which has been covered by your Sovereign health policy. Procedures covered under this benefit may include breast reduction surgery, but do not include breast reconstruction following a mastectomy carried out on the unaffected breast which is a prophylactic procedure. The procedures to achieve breast symmetry do not need to be medically necessary .
$50,000 per life assured per life of the policy.
Breast symmetry surgery following mastectomy
Prior approval must be obtained before the procedure takes place.
Covers support services following cancer treatment including:
$1,000 per life assured per policy year .
> Psychologist consultations, therapy and counselling, > Personal items such as wigs to cover hair loss, bras following a mastectomy, > Lymphatic massage, > Home help services including meal preparation, cleaning, showering and child care, provided by a suitably qualified person
Post-cancer treatment care and support
No excess applies.
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711 ABH-BS version 8 Effective 08 April 2022
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