STANDARD WORKING COVER
MEDICAL AND HOSPITAL BENEFITS COVERED UNDER
YOUR STANDARD WORKING POLICY
In the event of medical treatment being required by you or any
dependants covered under your policy during the period of cover, wewill pay benefits for the following:

Service*You may incur out of pocket costs for hospital expenses above
your benefit amount. Payment of benefit subject to the same
rules/criteria as payment of a Medicare benefit for the same
service.
Benefit per service*

Out-patient medical services

Medical services provided by a doctor.

100% of the MBS fee.

All other medical services such as pathology and radiology(including specialists).

85% of the MBS fee.

In-patient medical services

Admitted medical services provided in hospital.

100% of the MBS fee.

Public hospital –The rate determined by State and Territory health authorities forservices charged to a patient who is not eligible for Medicare.

-Admitted patient treatment including:- overnight and day only hospital accommodation(including theatre, intensive care, labour wards, warddrugs); andFor admission-related PBS listed drugs, the benefit is equal to theAustralian Government’s PBS list price less the current PBS patientco-payment.

- post-operative services that are a continuation of careassociated with an early discharge from hospital.
-Emergency department treatment;-

PBS listed drugs (including discharge medications) that form
part of the episode of hospital care.

Private hospital/registered day hospital facility.

100% of the contracted charges for all insurable costs raised by
one of our agreement hospitals with a minimum of shared ward
accommodation.
Refer to “Private admission” on page 38.

78STANDARD WORKING COVER (CONTINUED)
MEDICAL AND HOSPITAL BENEFITS COVERED UNDER
YOUR STANDARD WORKING POLICY*You may incur out of pocket costs for hospital expenses above
your benefit amount. Payment of benefit subject to the same
rules/criteria as payment of a Medicare benefit for the same
service.

In the event of medical treatment being required by you or any
dependants covered under your policy during the period of cover, wewill pay benefits for the following:

ServiceBenefit per service*

Prescription Medicines

For medicines prescribed by your doctor or other medical
practitioner and dispensed by a registered pharmacist.

Prescription medicines benefit for expenses exceeding theequivalent of the current PBS patient co-payment for generalbeneficiaries up to a:-maximum benefit of $50 per prescribed item-

maximum amount per calendar year for Single cover of $300

-maximum amount per calendar year for Dual family and Multi
family cover of $600

For Dual family and Multi family cover, each individual member ofa family has a limit equivalent to a person with Single cover as longas the family maximum benefit has not been reached. Limits do not
apply to admission-related PBS listed drugs.
Surgically implanted prostheses

Surgically implanted prostheses and other items included on theFederal Government’s prostheses list.

100% of the minimum benefit as listed on the Federal Government’sprostheses list.

Ambulance services

When medically necessary for admission to hospital or for
emergency treatment or for inter-hospital transfer for clinicalreasons.

100% of the charge for transport by an ambulance provided by orunder an arrangement with an approved ambulance service.

Medical repatriation benefit

Cover for you or your dependants’ repatriation to your home country
as a result of a life-altering illness or injury, or in the unfortunate
event of death, the repatriation of your or your dependants’ mortal
remains.

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100% of the costs authorised by us up to a maximum amount of$20,000 per policy.

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