AIA Real Health Personal Policy Wording

REAL Health

SECTION C – OPTIONAL BENEFITS

OPTIONAL SPECIALISTS AND TESTS BENEFIT

1 If the Policy Schedule shows You have selected the Specialists and Tests Benefit , We will cover the Usual, Customary and Reasonable fees charged for Registered Medical Specialist consultations up to $10,000 per Policy Year per Life Assured and Diagnostic Procedures which have been referred by a Registered Medical Practitioner or Registered Medical Specialist up to $100,000 per Policy Year per Life Assured, if they do not relate to a claim for treatment in a Private Hospital or medical facility.

Diagnostic Procedures covered include but are not limited to:

          

Allergy testing Audiology tests

CT scans

Capsule endoscopy

Colonoscopy Colposcopy Cystoscopy

Electroencephalography (EEG)

Electromyography (EMG) Exercise/Stress (ECG)

Gastroscopy

 Holter monitoring/24 Hour Ambulatory monitoring  Laboratory tests  Mammogram  MRI scans  Myelogram  Myocardial perfusion imaging  PET/CT scans  Scintigraphy  Sleep studies  Ultrasound  Urodynamic assessments  X-rays

Preventative and Routine Screening tests, and hearing aids are excluded. Psychiatrist consultations for an initial assessment of mental health are covered for the first consultation only. All forms of Psychiatric treatment are excluded as set out in Section E “Exclusions”.

An Annual Excess of nil or $250 will apply as stated on the Policy Schedule per Life Assured per Policy Year .

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