​Extent of cover

Subject to nominated excesses, personal accident cover includes the reimbursement of reasonable medical expenses and the payment of benefits equivalent to benefits payable 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 reimbursement of reasonable expenses and payment of benefits. This period commences from the date of incapacity.
  

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