Personal accident cover includes the reimbursement of reasonable medical expenses and the payment of benefits as provided under the Workers Rehabilitation and Compensation Act 1988 (see Workers’ Compensation - cover). However:

• the reimbursement of reasonable expenses (medical, hospital, ancillary, out-of-pockets etc) is limited to costs that are not recoverable under Medicare or private health insurance; and
• there is a two-year limit on the benefits provided.