| Benefit |
Description |
Percentage Paid |
Maximum Payment |
Notes |
| GP consultation fees |
Consultation with a registered medical practitioner. |
60% |
$50 per visit |
|
| Prescription charges |
Prescriptions by a registered medical practitioner. |
60% |
$1,250 per condition, per person for a two year period
|
|
| Specialists |
Consultation and treatment with a registered medical specialist. |
75% |
$1,250 per condition, per person for a two year period
|
|
| X-ray |
Cost of x-rays. |
60% |
$1,250 per condition, per person for a two year period
|
|
| Scan costs |
Cost of MRIs, CAT scans, digital molemaps and ultrasounds. |
75% |
$1,250 per condition, per person for a two year period |
|
| Travel expenses |
If you require treatment that is approved treatment and is not available in your home town; such as a specialist's appointment or a hospital admission you are elgible for travel costs. There is a flat rate of $30 per trip. |
|
$1,250 per condition, per person for a two year period |
Conditions:
- Claims will only be considered if the treatment is not available in your own hometown and the traveling distance exceeds 100kms return
- This cover is only for the patient receiving the treatment.
|
| Minor surgery fees |
Cost of a minor operation if performed by a registered medical practitioner e.g. skin excisions, liquid nitrogen treatments, etc.
|
60% |
$1,250 per condition, per person for a two year period |
|
| Alternative therapists |
Consultation fees for: osteopath, chiropractor, naturopath, dietician/nutritionist, audiologist, homeopath, psychologist, podiatrist, acupuncturist, iridologist, therapeutic massage, Chinese medicine. |
N/A |
up to $20 per visit to a maximum of 10 visits per family per calendar year |
|
|
|
|
|
|
| Hospital costs |
Costs for treatment and stay at a hospital. |
75% - Specialist fees
75% - Anaesthetist fees
60% - Hospital Charges
100% - Television Hire
60% – Hospital and Bed Charges ($120 max per day) |
$1,250 per condition, per person for a two year period |
|
| Laboratory costs |
Costs for laboratory analysis. |
60% |
$1,250 per condition, per person for a two year period |
|
|
Physiotherapy costs |
Costs for physiotherapy treatment. |
60% |
|
|
| Surgical appliance costs |
Cost of personal medical equipment and prosthetics. |
100% |
$1,250 per condition, per person for a two year period |
- Must be prescribed by a registered medical practitioner
- Orthotics. Please support your claim with a statement from your G.P. or an Orthopedic Surgeon confirming the referral to the podiatrist, including the medical reasons necessitating orthotics. Sports related and temporary orthotics are exempt
- Corsets, stockings, belts, calipers, artificial limbs & joints, surgical shoes, diabetic syringe & needles, insulin pump & lines, blood sugar meters, asthma nebulisers
- Wigs and hairpieces are considered on their own merit.
Please note that batteries, accessories and maintenance costs are not covered.
|
| Hearing aid costs |
Cost of a hearing aid. |
N/A |
$250 grant per aid |
Please Note: Hearing tests are covered under approved therapist benefit. |
| Convalescent holidays |
Reimbursement of a rental week in a Marram holiday home. |
|
N/A |
Conditions:
- The holiday home must be booked and paid for before making a claim
- Claims are considered on a case by case basis.
|
| Home help |
To assist with costs of home help. |
N/A |
$260 per year |
Conditions:
- Claims are only considered if you require home help due to you or your partner being ill or for multiple births
- A medical certificate is required.
|
| Optical care |
Costs for optometrist consultation fees and purchase of contact lenses or glasses. |
100% |
$250 per person for a two year period |
Conditions:
- Claims are considered whether or not a change of vision has occurred
- Check with your employer, they may have a health and safety / VDU agreement that covers eyesight correction. If so you must lodge a claim with them first. You can then lodge a claim for the difference, up to a maximum of $250.
|
| Oral surgery costs |
Costs of specific dental work, performed by a dentist or oral surgeon.
Costs of specific oral surgery performed by an oral surgeon. |
60%
60% |
or max $250 per tooth
or max $250 per surgery |
Conditions:
- The surgical removal of impacted or unerupted wisdom teeth
- Root canal therapy
- A note from your oral healthcare provider must state which tooth number has had work done on it.
- The treatment of abscesses, cysts, tumors, and ulcers. (Please note that this excludes the extraction of teeth related to these treatments.)
|
| Orthodontic fees |
Costs of orthodontic treatment. |
60% |
$600 per person |
Conditions:
- Teeth realignment
- Straightening
- Adjustment
- Extraction related to realignment.
|
| Adoption fees |
Costs for the adoption of a child. |
N/A |
$250 per completed adoption |
|
| Maternity costs |
Costs for obstetric care including ante and post natal care, and delivery fees. |
75% |
$1,250 per condition, per person for a two year period |
IMPORTANT – ensure you pay your Marram contributions in advance before you take maternity leave. If you let your contributions lapse, you will not be able to claim for these or any costs. |
| Special schooling |
Costs of special education needs, e.g. autism, dyslexia, attention deficit. |
60% |
$1,250 per condition, per person for a two year period |
Notes:
- Claims are considered on a case by case basis.
- Supporting documentation from the school is required.
|
| Ambulance |
Cost of transportation by ambulance. |
60% |
|
|
| Healthcare Grant |
A grant to assist with looking after you and your family during difficult times. |
N/A |
Up to $1500 grant per person, per year |
Healthcare Grant covers:
- Contributor, dependent child or partner
- Terminal Illness Grant, $1000
- Funeral Grant, $1000
- Distant Treatment Grant, $500
- Holiday Grant, 1 week's stay in a Marram holiday home
Documentation required:
- Documentation confirming terminal illness
- Death certificate / copy of funeral account
- Documentation confirming hospital stay
- Documentation confirming absence from work
|