Help with out-of-pocket expenses
A School Accident Benefit will be payable:
- If a child dependant attending before and after school care, primary or secondary school receives general treatment covered under their product as a result of an accident that occurred:
(i) at school or
(ii) on the way to-or-from school or
(iii) on the way to-or-from a school activity or
(iv) at approved and regulated before and after school care.
- To cover out-of-pocket expenses (cost of service minus the HCF benefit for that item) incurred for general treatment due to a school accident which occurred after joining up to the annual limit per dependant child per calendar year.
- To top up any general treatment services that are included in your extras cover at date of service (hospital and medical services are excluded).
- Should the annual limit for the service being claimed be reached, School Accident Benefits may be paid over and above the child’s annual limit for that service.
- If the dependant child receives general treatment within 12 months from the date of the accident.
- For up to a 24 month period from the date of the accident (applies to HCF Top, Vital, Ultimate, Advanced and Active extras).
- If the child is an HCF member with an extras cover that includes School Accident Benefit at the time of the school accident.
- If a completed claim form and receipts are accompanied by a detailed description of the school accident from the school, including the extent and circumstances of the injury. The report must be on the school’s letterhead.
- When waiting periods have been served. The waiting period for School Accident Benefits is the same as the waiting period for the general treatment being claimed; and
- If the costs aren’t recoverable from another source.