Benefit
Benefit entitlement
Maximum cover
Private Health Cover and Private Health Plus
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 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 Private 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.
Breast Symmetry surgery following mastectomy
The procedures to achieve breast symmetry do not need to be medically necessary .
Prior approval must be obtained before the procedure takes place.
Covers support services following cancer treatment including:
> Psychologist consultations, therapy and counselling,
> Personal items such as wigs to cover hair loss, bras following a mastectomy,
$1,000 per life assured per policy year
> Lymphatic massage,
Post-cancer treatment care and support
> Home help services including meal preparation, cleaning, showering and child care, provided by a suitably qualified person (employed in the provision of home help services).
These support services and personal items do not need to be medically necessary.
No excess is payable for claims under this benefit.
If a life assured has treatment for cancer in a public hospital that would otherwise have been covered by the Cancer Care Benefit in this policy, the public hospital cancer treatment cash benefit will be paid to the policy owner . Treatment includes cancer surgery requiring an overnight stay in a public hospital or a course of chemotherapy and/or radiotherapy.
Public hospital cancer treatment cash benefit
$5,000 per life assured per lifetime
No excess is payable for claims under this benefit.
The costs of palliative, hospice and respite care at an approved facility .
Palliative, hospice and respite care
$1,500 per life assured per lifetime
No excess is payable for claims under this benefit.
712 PH-UMB version 9 Effective 8 April 2022
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