MENTAL HEALTH SUPPORT BENEFIT
3 The Mental Health Support Benefit covers the cost of a Psychiatrist or Psychologist consultation and Counselling where the support treatments and/or consultations directly relates to a claim under the Hospital Surgical Benefit or the Cancer Treatment Benefit. After referral by the appropriate Registered Medical Specialist and where We deem the support services appropriate We will cover up to $5,000 per Life Assured per Policy Year . 4 Upon authorisation by Us , We will cover the costs of home nursing care provided by a Registered Nurse up to six (6) months after an authorised medical or surgical procedure. The Life Assured must have stayed for a minimum of one (1) night in an Approved Facility . You will receive $150 per day with a maximum Benefit payable of $6,000 per Policy Year . A referral for this service must be made by the treating Registered Medical Specialist or Registered Medical Practitioner . No Annual Excess applies. 5 If a claim for cancer treatment or surgery has been accepted by Us , which requires at least one (1) night’s stay in an Approved Facility , We will cover the reasonable costs of 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) for up to seven (7) days following discharge from an Approved Facility up to $500 per Life Assured per Policy Year . Receipts specifying the services provided, dates and fees charged by a suitably qualified provider must be submitted with your claim. This Benefit does not apply to any accident related surgery or maternity. No Annual Excess applies. 6 Should the Life Assured have treatment for cancer in a Public Hospital that would otherwise have been covered by the Cancer Treatment Benefit in this Policy , We will pay You a one off lump sum amount of $5,000 per Policy lifetime per Life Assured . Treatment includes cancer surgery (which requires a minimum of one night’s hospital stay), chemotherapy or radiotherapy. No Annual Excess applies. 7 If You are admitted to a Hospice facility, You will receive $100 per night up to a maximum of $2,000. This Benefit is payable once per Policy per Life Assured . No Annual Excess applies. 8 If a Life Assured suffers a critical cancer condition as defined below and is admitted to a Private Hospital , or as a fee paying patient to a Public Hospital , We will waive the Annual Excess that You have selected, for a maximum of three (3) years per Life Assured . Diagnosis must be made in writing by a Registered Medical Specialist and be based upon medical evidence acceptable to Us . Critical Cancer means the presence of one (1) or more malignant tumours, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue, provided the diagnosis is unequivocal as confirmed by histopathology.
HOME NURSING BENEFIT FOLLOWING CANCER TREATMENT OR SURGERY
HOME HELP ALLOWANCE FOLLOWING CANCER TREATMENT OR SURGERY BENEFIT
PUBLIC HOSPITAL CANCER TREATMENT CASH BENEFIT
HOSPICE BENEFIT
CRITICAL CANCER EXCESS WAIVER BENEFIT
REAL Health – 0324
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