2. Additional option – Specialist and Diagnostic Testing Benefit
This option, if selected, provides supplementary cover to the lives assured . It incurs additional premiums associated with the increase in benefits. If you have elected an excess option on your Specialist and Diagnostic Testing Benefit, this will be shown on the schedule . This excess applies once per life assured per policy year .
BENEFIT
COVERED EXPENSES
MAXIMUM COVER
Covers reasonable charges of a specialist when referred by a registered medical practitioner including:
> Cardiac surgeons
> Cardiologists
> Ear, nose and throat specialists
$5,000* per life assured , per policy year .
> Gastroenterologists
> General surgeons
Specialist consultations
> Gynaecologists
*Includes diagnostic tests below.
> Neurosurgeons
Excess applies.
> Oncologists
> Orthopaedic surgeons
> Urologists
Cover is not provided for obstetricians, psychiatrists or psychologists.
Covers the reasonable charges of diagnostic procedures directly relating to a medical condition when referred by a specialist including but not limited to:
> Allergy testing
> Audiology
> Audiometric tests
> CT scans
> Colonoscopy*
> Cystoscopy
> Electroencephalography (EEG)
> Electromyography (EMG)
Included as part of the maximum specialist consultation cover above.
> Exercise ECG
Diagnostic tests
> Gastroscopy
> Holter monitoring
Excess applies.
> Laboratory tests
> Mammography*
> MRI scans
> Myelogram
> Ultrasound
> Urodynamic assessments
> X-rays
*Cover is not provided for routine screening or periodic testing.
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711 ABH-BS version 8 Effective 08 April 2022
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