All members are alerted to the following exclusions in regard to claiming related medical costs under our AMSA Voluntary Workers (members) Personal Accident insurance arrangement.
The principal exclusions applying are as follows:
- Pre-existing medical conditions
- All costs where Medicare covers any part of the cost.
The latter point above is particularly important because all general insurers are prohibited by law to insure what is knows as the “Gap” i.e. the difference between the full medical cost and any Medicare refund.
If a member is injured at the shed and seeks treatment at a Doctors General Practice, then Medicare would generally cover part of this service and our insurer would not cover the subsequent out-of-pocket expense. The out-of-pocket expense would be the member’s responsibility.
If a member has private medical insurance, then this may provide further reimbursement for out-of-pocket expenses.
Depending on the injury circumstances, the AMSA Insurance Program provides a number of defined injury benefits and for some, other insurance exclusions/limitations may also apply.
Members can read the full AMSA 2019/2020 Insurance Program Frequently Asked Questions, which are available at the SPUC shed.