BENEFIT
COVERED EXPENSES
MAXIMUM COVER
Covers the cost up to the maximum cover for this benefit for surgery for any of the following congenital conditions :
> umbilical hernia;
> inguinal hernia;
> undescended testes;
> hydrocele;
> tongue tie;
> phimosis;
> squint.
$2,000 per life assured per lifetime.
Congenital conditions surgery benefit
The surgery must be performed in an approved facility by a specialist or oral surgeon , or by a general practitioner .
Prior approval must be obtained before the surgery takes place.
The pre-existing conditions exclusion does not apply to the Congenital conditions surgery benefit.
Subject to the maximum cover for this benefit, more than one claim may be made under this benefit.
No excess is payable for any claims under this benefit.
$300 per day up to a maximum of $5,000 per life assured , per policy year .
Covers reasonable charges of home care provided by a registered nurse when recommended by a specialist . This care must immediately follow discharge from a private hospital for a covered surgical or medical procedure.
Home nursing care
No excess applies.
All payments made under this benefit will be in New Zealand dollars and will be credited directly to the bank account nominated by the policy owner . We will not accept responsibility for costs associated with any complications during or following any treatment or procedure covered under this benefit that arise as a direct or indirect result of the treatment, procedure, consultation, test, diagnostic imaging, support, or care. No Medical Misadventure benefit is payable in relation to any treatment, procedure, consultation, test, diagnostic imaging, support, or care covered under this benefit. Prior approval must be obtained before the treatment, procedure, consultation, test, diagnostic imaging, support, or care takes place.
Benefit maximum for the applicable benefit applies, subject to the additional limits, exclusions and requirements set out in this section.
Voluntary treatment overseas
Treatment in Australia
Excess applies.
This benefit covers the costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support or care, subject to the maximum cover under this policy for the applicable benefit in New Zealand dollars, at a health service facility approved by Sovereign .
Treatment outside Australia
This benefit covers the costs for the approved treatment, procedure, consultation, test, diagnostic imaging, support recommended by a New Zealand specialist .
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711 ABH-BS version 8 Effective 08 April 2022
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