BENEFIT
COVERED EXPENSES
MAXIMUM COVER
Cover is also provided for the cost of a single return economy class airfare for the life assured and one support person. The total amount payable under this benefit is 85% of the reasonable charges , 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 in and outside Australia
Following the treatment, procedure, consultation, test, diagnostic imaging, support or care, a receipt in English needs to be provided to Sovereign , together with any other information reasonably required by Sovereign from the health service provider. When a medically necessary treatment or procedure covered by one of the other benefits of this policy is available in New Zealand but is unable to be carried out within six months in an approved facility , and so is carried out in an overseas facility approved by Sovereign , this benefit will cover the reasonable charges of that treatment or procedure as if it was provided in New Zealand up to the maximum cover stated for the applicable benefit in New Zealand dollars. Cover is also provided for the cost of two return economy class airfares for the life assured and a support person. Prior approval must be obtained prior to the treatment or procedure taking place. Covers reasonable charges for medical treatment at an overseas hospital acceptable to Sovereign , where medical treatment covered under this policy cannot be provided in New Zealand. A specialist must recommend the medical treatment and approval of the claim must be received from Sovereign prior to the medical treatment. This benefit also includes two return economy class airfares for the life assured and a support person. This benefit specifically covers the transfer of a patient from one private hospital or day stay clinic to another private hospital or day stay clinic in a situation where complications have arisen and further treatment can only be provided by specialist services at the private hospital or day stay clinic to where the patient is being transferred. The benefit only applies to transfers within the North and South Islands of New Zealand. All reasonable charges for the following modes of transport will be met: air ambulance, road ambulance, road transport or economy airfares.
Treatment overseas where the waiting period for treatment in an approved facility in New Zealand is greater than six months
Benefit maximum for the applicable benefit applies.
Excess applies.
$30,000 per life assured , per policy year .
Overseas medical treatment
Excess applies.
No maximum cover .
Transfer benefit
No excess applies.
If a life assured dies when aged between 21 and 59 (inclusive), Sovereign will pay a death benefit of $2,500 to the policy owner or their estate (no excess applies).
Bereavement grant
No excess applies.
Covers reasonable charges of accommodation and/or transportation as required for a parent, guardian or support person who accompanies a life assured receiving a covered treatment outside their region of residence.
$300 per day up to a maximum of $3,000 per life assured , per policy year .
Caregiver accommodation
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711 ABH-BS version 8 Effective 08 April 2022
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