MAJOR DIAGNOSTIC TESTS BENEFIT
11 Covers the Usual, Customary and Reasonable expenses incurred for up to $200,000 per Life Assured per Policy Year for specified Diagnostic Procedures in an Approved Facility following recommendation by a Registered Medical Specialist , irrespective of whether surgery or hospitalisation occurs (subject to prior approval by Us ). An Annual Excess applies.
Diagnostic Procedures covered include:
Angiogram Arthroscopy
Capsule endoscopy
Colonoscopy
CT scan
Cystoscopy Gastroscopy Hysteroscopy Laparoscopy
MRI scan Myelogram
Myocardial perfusion imaging
PET
Scintigraphy
Changes in technology in the future may see other major Diagnostic Procedures being introduced. We may at Our sole discretion, consider reimbursing the cost of such procedures. Routine Health Screening is excluded. 12 We will cover the costs of post-operative physiotherapy and Occupational Therapy treatment by a Physiotherapist or Registered Occupational Therapist for the Life Assured , where the treatment is required within a six (6) month period of discharge from a Private Hospital Approved Facility , and on referral from a Registered Medical Specialist or Registered Medical Practitioner . Treatment must relate to the authorised procedure or treatment. No Annual Excess applies. 13 Should treatment for an approved Benefit not be available within Your immediate residential region (which is further than 100km away from Your home or usual place of residence), We will cover the costs of accommodation, transport for You and one (1) support person for up to $300 per day with a maximum of $3,000 per claim per Policy Year per Life Assured . Treatment must be recommended by a Registered Medical Specialist or Registered Medical Practitioner . The Travel and Accommodation in New Zealand Benefit does not apply to the cost of air travel to or from the Chatham Islands or any other New Zealand Territorial Islands. No Annual Excess applies.
POST-OPERATIVE PHYSIOTHERAPY AND OCCUPATIONAL THERAPY TREATMENT BENEFIT
TRAVEL AND ACCOMODATION IN NEW ZEALAND BENEFIT
REAL Health – 0324
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