What is covered under 'Overseas Emergency Medical & Hospital Expenses'?

This benefit provides cover for your unexpected medical and hospital expenses incurred while you are overseas. 

We will pay:

• For the reimbursement of the reasonable medical or hospital expenses incurred by you until you get back to Australia if you are injured or become sick overseas. 
• The medical or hospital expenses must have been incurred due to a claimable event and confirmed in writing by a medical practitioner. You must make every effort to keep your medical or hospital expenses to a minimum. If we
• If we reasonably determine that you should return to Australia for treatment (based on the information that is available to us at the time) and you do not agree to do so then we will pay you the amount that we determine would cover your overseas medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. 
• We’ll only pay for overseas treatment received and/or hospital accommodation for a maximum of 12 months from the date the sickness first manifested itself or from the injury date.

We will not pay:

• For any claims arising from activities listed under Adventure Activities, Cruise, Motorcycle, moped or scooter or Snow Sports unless the additional cover is selected at the time you took out your policy or prior to your departure date, and you pay the appropriate additional premium. 
• For planned medical procedures, cosmetic treatments, or other non-emergency medical treatments or for any complications or other claims arising from such procedures or treatments. 
• For the continuation or follow up of medical treatment (including medication and ongoing immunisations) that started prior to your trip. 
• When you have not notified us as soon as practical of your admittance to hospital. 
• If you do not take our advice. 
• After 2 weeks of treatment by a chiropractor or physiotherapist unless approved by us. 
• For medical treatment or ambulance transportation which is provided in Australia.
• For routine medical check-ups. 
• If you have received medical care that is covered by a Reciprocal Health Care Agreement between Australian and another country. The list of countries that Australian has a Reciprocal Health Care Agreement with can be found at smartraveller.gov.au. 

Please also read General Exclusions that apply to all Benefits. 

As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).