Please see page 52 for an explanation of words that appear in bold
27
7
Recurrent, continuing and long-term
treatment
Will my policy cover me for recurrent, continuing or long-term treatment?
Your policy covers treatment of medical conditions that respond quickly to treatment – defined in
our glossary as acute conditions.
We define a chronic condition in the glossary on page
52
as:
A disease, illness or injury that has one or more of the following characteristics:
•
it needs ongoing or long-term monitoring through consultations, examinations, check-ups
and/or tests
•
it needs ongoing or long-term control or relief of symptoms
•
it requires your rehabilitation or for you to be specially trained to cope with it
•
it continues indefinitely
•
it has no known cure
•
it comes back or is likely to come back.
This policy also covers you against the costs of recurrent, continuing or long-term treatment of
chronic conditions.
7.1
We pay for eligible:
(a)
Treatment of an acute condition and ongoing, recurrent or long-term treatment of any
chronic condition (subject to all other benefit limitations and exclusions on your policy) up
to a maximum of 120 days per admission as an in-patient for any medical condition.
(b)
The monitoring of a medical condition.
(c)
Routine follow-up consultations.
(d)
Kidney dialysis for up to six weeks during preparation for kidney transplant and regular or
long-term kidney dialysis in the case of chronic kidney failure (subject to the limits shown
in the benefits table).
(e)
In-patient rehabilitation of up to 28 days when it is an integral part of treatment; and
•
it is carried out by a medical practitioner specialising in rehabilitation
•
it is carried out in a recognised rehabilitation hospital or unit
•
the costs have been agreed by us before the rehabilitation begins.
We will extend in-patient rehabilitation to a maximum of 180 days in cases of severe
central nervous system damage caused by an external trauma.
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