BUPA HOSPITAL COVERS WHAT YOU NEED TO KNOW AT A GLANCE

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1 BUPA S WHAT YOU NEED TO KNOW AT A GLANCE

2 CONTENTS Retail hospital covers at a glance 3 Corporate hospital covers at a glance 18 Visitors hospital covers at a glance 22 New Bupa membership cards 28 Bupa Global membership cards 29 Pre-authorisation hospital checks 31 for Bupa Global members This guide is for the use of hospital staff and providers only and does not contain all product information. Detailed product information can be found at: for retail hospital covers for corporate hospital covers for visitors hospital covers for student hospital covers Please also note this guide is subject to change without notice. 2

3 RETAIL S AT A GLANCE This guide is for the use of hospital staff and providers only and does not contain all product information. Please also note this guide is subject to change without notice. ACTIVE SAVER (PACKAGED) ADVANTAGE $1,000 EXCESS & VALUE $1,000 EXCESS* accommodation (including private room) and theatre fees only for accidents requiring urgent medical attention and the services included below. All other services that are not excluded receive Minimum Benefits for shared room accommodation. Public Hospitals: For Accidents requiring urgent medical attention and the services listed below shared room benefit plus a fixed benefit for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Inclusions: Knee arthroscopy and meniscectomy procedures Appendicitis Removal of tonsils and adenoids Dental surgery Minor gynaecological surgery (not including laparoscopy) accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room minimum benefits plus a fixed benefit for a private overnight room. Private room benefit not applicable for minimum benefit services. Nil benefit for EXCESS N/A $1000 per hospital admission (including same day and public hospital admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on The excess does not apply on admissions for services with a minimum benefit or for approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private CO-PAYMENT $100 a day (including same day and public hospital admissions), up to a maximum of $500 per hospital stay. The co-payment does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a All services other than the services listed above and exclusions pay minimum benefits N/A Excess and Co-payments applies to in-patients only. *Hospital Value $1000 Excess was renamed Advantage Hospital $1000 Excess effective 1 April

4 RETAIL S AT A GLANCE BUDGET FAMILY (PACKAGED) BUDGET * & SELECT VALUE* $250 & $500 EXCESS EXCESS Public Hospitals: Shared room minimum benefit plus a fixed benefit for a private overnight room. Private room benefit not applicable for minimum benefits services. Nil benefit for $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs Public Hospitals: Shared room minimum benefit plus a fixed benefit for a private overnight room. Private room benefit not applicable for minimum benefits services. Nil benefit for $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples or family membership when amount has been met in full. The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs Pregnancy (including childbirth) Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure Psychiatric services Pregnancy (including childbirth) Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure # Psychiatric services Gastric banding and obesity related services (including any abdominoplasty) # Dialysis only attracts minimum benefits if the member joined on or after 1 April 2006 *Hospital Select Value $250 & $500 Excess was renamed Budget Hospital $250 & $500 Excess effective 1 April. *Hospital Saver was renamed Budget Hospital $500 Excess effective 1 April

5 RETAIL S AT A GLANCE BUDGET & SELECT VALUE $1,000 EXCESS* CHOICES (PACKAGED) EXCESS Public Hospitals: Shared room minimum benefits plus a fixed $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples or family membership when amount has been met in full. The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs accommodation (including private room) and theatre fees only for accidents requiring urgent medical attention and the services included below. All other services that are not excluded receive Minimum Benefits for shared room accommodation. Public Hospitals: For Accidents requiring urgent medical attention and the services listed below shared room benefit plus a fixed benefit for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Inclusions: Knee arthroscopy and meniscectomy procedures Appendicitis Removal of tonsils and adenoids Dental surgery Ankle arthroscopy and ankle ligament repair Shoulder arthroscopy and selected minor shoulder procedures $250 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples membership when amount has been met in full. The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs (Share room Psychiatric services All services other than the services listed above and exclusions pay minimum benefits Cardiac and cardiac-related services Pregnancy (including childbirth) All joint replacements including arthroplasty revisions and resurfacing procedures Dialysis for chronic renal failure # Gastric banding and all obesity related services (including any abdominoplasty) # Dialysis is an exclusion if the member joined on or after 1 April 2006 Cardiac and cardiac-related services Pregnancy (including childbirth) All joint replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure *Hospital Select Value $1000 Excess was renamed Budget Hospital $1000 Excess effective 1 April

6 RETAIL S AT A GLANCE ESTABLISHED FAMILY FAMILY ESSENTIALS EXCESS Public Hospitals: Shared room minimum benefit plus a fixed $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on Members First & Network Hospitals Children: Cover for hospital accommodation, theatre fees at shared room (ie: no private add on payable) and ICU, except for minimum benefit or Nil benefit for excluded services. Adults: For accidents requiring urgent medical attention full cover for hospital accommodation at shared room (ie no private room add on payable) and theatre fees except for minimum benefit or All other services that are not excluded receive share room minimum benefits only. Nil benefit for Public Hospitals All services that are not excluded receive shared room minimum benefits. Nil benefit for N/A Pregnancy (including childbirth) All services for adults are paid at shared room minimum benefits other than accidents 6

7 RETAIL S AT A GLANCE FAMILY FIRST (PACKAGED) GROWING FAMILY (PACKAGED) EXCESS CO-PAYMENT accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $250, $500, or $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples or family membership when amount has been met in full. The excess does not apply to any child dependant covered on $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. A co-payment does not apply to any child dependant covered on The co-payment does not apply on admissions for services with a minimum benefit or for approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a by the Medical Services Advisory Committee and experimental treatment rehabilitation services Public Hospitals: Shared room Minimum Benefit plus a fixed $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on N/A Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure by the Medical Services Advisory Committee and experimental treatment rehabilitation services Excess and Co-payments applies to in-patients only. 7

8 RETAIL S AT A GLANCE HEALTHSMART DIAMOND (PACKAGED) HEALTHSMART GOLD (PACKAGED) EXCESS CO-PAYMENT (Share room accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $250, $500, or $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couple or family membership when amount has been met in full. $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. The co-payment does not apply on admissions for services with a minimum benefit or for approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $250, $500, or $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couple or family membership when amount has been met in full. N/A Excess and Co-payments applies to in-patients only. 8

9 RETAIL S AT A GLANCE HEALTHSMART (PACKAGED) WITH EXCESS BONUS* EXCESS Public Hospitals: Shared room Minimum Benefit plus a fixed $250, $500, or $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples membership when amount is met in full. accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $250 per hospital admission from 1 April 2013 (including same day and public admissions). From 1 April 2013 capped each calendar year at once per adult when amount is met in full. The excess will not apply to any child dependant covered on the membership. Excess Bonus: One excess-free overnight or same-day admission for single or single parent membership and two for a couple or family membership per calendar year (ceasing 1 June 2013). However, existing dollar amounts under the previous Excess Bonus dollar scheme may be used towards any additional excess. (Share room Gastric banding and all obesity related services Pregnancy (including childbirth) * Hospital Cover with Excess Bonus was renamed Top Hospital Cover $250 Excess from 1 June

10 RETAIL S AT A GLANCE WITH EXCESS BONUS PLUS WITH EXCESS* (LEVEL 4) EXCESS accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $200 per hospital admission (including same day and public admissions). From 1 April 2013 capped each calendar year at once per adult when amount is met in full. The excess will not apply to any child dependant covered on Excess Bonus: One excess-free overnight or same-day admission for single or single parent membership and two for a family membership per calendar year (ceasing 1 June 2013). However, existing dollar amounts under the previous Excess Bonus dollar scheme may be used towards any additional excess. accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $400 per hospital admission (including same day and public admissions). From 1 April 2013 capped each calendar year at once per adult when amount is met in full. The excess will not apply to any child dependant covered on (Share room *Hospital Cover with Excess Level 5 was renamed Top Hospital $500 Excess effective 1 April Refer to Top Hospital Cover for details. 10

11 RETAIL S AT A GLANCE ECONOMY ECONOMY WITH EXCESS BONUS EXCESS CO-PAYMENT accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $400 per hospital admission (including same day and public admissions). From 1 April 2013 capped each calendar year at once per adult when amount is met in full. The excess will not apply to any child dependant covered on Excess Bonus Dollars: Existing dollar amounts under the previous Excess Bonus dollar scheme may be used towards any excess. $40 a day (including same day and public admissions), up to a maximum of $200 per hospital stay. From 1 April 2013 the co-payment will not apply to any child dependant covered on The co-payment does not apply on admissions for services with a minimum benefit or for approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a public hospital accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $400 per hospital admission (including same day and public admissions). From 1 April 2013 capped each calendar year at once per adult when amount is met in full. The excess will not apply to any child dependant covered on Excess Bonus Dollars: Existing dollar amounts under the previous Excess Bonus dollar scheme may be used towards any excess. N/A Excess and Co-payments applies to in-patients only. 11

12 RETAIL S AT A GLANCE SAVER* LIVE WELL (FROM 1 APRIL 2013) EXCESS Public Hospitals: Shared room Minimum Benefit plus a fixed $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couple or family membership when met in full. The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs Public Hospitals: Shared room Minimum Benefit plus a fixed Nil, $250 and $500 options. Applies per hospital admission including same day and public admissions. Capped each calendar year at once per person, twice per couples membership when amount has been paid in full. Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Pregnancy (including childbirth) Psychiatric services Gastric banding and all obesity related services (including any abdominoplasty) Dialysis for chronic renal failure Pregnancy (including childbirth) Dialysis for chronic renal failure Gastric banding and all obesity related services (including any abdominoplasty) 12

13 RETAIL S AT A GLANCE PUBLIC SIMPLE START $500 EXCESS All hospitals: Minimum Benefits for shared room accommodation only. Excluded Services receive no benefits. accommodation (including private room) and theatre fees only for accidents requiring urgent medical attention and the services included below. All other services that are not excluded receive Minimum Benefits for shared room accommodation. Public Hospitals: For Accidents requiring urgent medical attention and the services listed below shared room benefit plus a fixed benefit for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Inclusions: Knee arthroscopy and meniscectomy procedures Appendicitis Removal of tonsils and adenoids Minor gynaecological surgery (not including laparoscopy) EXCESS N/A $500 per hospital admission (including same day and public hospital admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on All services when in private hospitals All services other than the services listed above and exclusions pay minimum benefits Excess and Co-payments applies to in-patients only. 13

14 RETAIL S AT A GLANCE SINGLES CHOICE SAVER (PACKAGED) STANDARD & SELECT PLUS $250 & $500 EXCESS* accommodation (including private room) and theatre fees only for accidents requiring urgent medical attention and the services included below. All other services that are not excluded receive Minimum Benefits for share room accommodation. Public Hospitals: For Accidents requiring urgent medical attention and the services listed below shared room benefit plus a fixed benefit for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Inclusions: Knee arthroscopy and meniscectomy procedures Appendicitis Removal of tonsils and adenoids Dental surgery Minor gynaecological surgery (not including laparoscopy) Public Hospitals: Shared room Minimum Benefit plus a fixed EXCESS N/A $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount is met in full. The excess does not apply to any child dependant covered on All services other than the services listed above and exclusions pay minimum benefits Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure # # Dialysis only attracts minimum benefits if the member joined on or after 1 April 2006 * Hospital Select Plus $250 & $500 Excess was renamed Standard Hospital $250 & $500 Excess effective 1 April Hospital Saver Plus Level 2 was renamed Standard Hospital $250 Excess effective 1 June Hospital Saver Plus Level 5 was renamed Standard Hospital $500 Excess effective 1 April Hospital Saver Plus Level 3 was renamed Standard Hospital $250 Excess effective 1 April Hospital Saver Plus Level 4 will be renamed Standard Hospital $250 Excess effective 1 April

15 RETAIL S AT A GLANCE STANDARD $1,000 EXCESS & SELECT PLUS $1000 EXCESS* START N SAVE EXCESS Public Hospitals: Shared room Minimum Benefit plus a fixed $1000 per hospital admission (including same day and public admissions). Capped each calendar year at once per person, twice per couples or family membership when amount has been met in full. accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room Minimum Benefit plus a fixed $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant on Excess Bonus Dollars: Existing dollar amounts under the previous Excess Bonus dollar scheme may be used towards any additional excess. CO-PAYMENT N/A $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. The co-payment does not apply to any child dependant on The co-payment does not apply on admissions for services with a minimum benefit or for approved hospital ambulatory programs or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a public hospital All joint replacements including arthroplasty, revisions and resurfacing procedures Dialysis for chronic renal failure # # Dialysis only attracts minimum benefits if the member joined on or after 1 April 2006 Excess and Co-payments applies to in-patients only. *Hospital Select Plus $1000 Excess was renamed Standard Hospital $1000 Excess effective 1 April

16 RETAIL S AT A GLANCE TOP (NOW INCORPORATING ADVANTAGE, PLUS, VALUE, SUPER PLUS, SAVER PLUS NIL EXCESS, EXCESS LEVEL 5 & PREMIUM )* ULTIMATE HEALTH (PACKAGED) EXCESS CO-PAYMENT accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for For the excess options: $250 or $500 per hospital admission (including same day and public admissions). Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on or psychiatric and rehabilitation day programs in private For the co-payment option: $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. The co-payment does not apply to child dependants on The co-payment does not apply on admissions for services with a or psychiatric and rehabilitation day programs in private The co-payment will apply for all overnight and day services in a public hospital accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for In addition this product covers laser eye procedures used to adjust the eyeball to correct sight (excludes laser procedures involving lens implants). Only at Bupa approved centres. Ultimate Health Cover members charged a fixed daily fee by any of our contracted fixed fee hospitals will be reimbursed or have the fee paid directly to the hospital. N/A N/A 12 months laser eye correction (excludes lens implant for eye correction) Excess and Co-payments applies to in-patients only. * Top Hospital Cover has 4 levels: Top Hospital Cover no excess or co-payment (includes previously named Premium Hospital, Hospital Super Plus & Hospital Saver Plus Nil Excess) Top Hospital Cover with Co-payment (includes previously named Advantage Hospital with Co-payment & Hospital Plus) Top Hospital Cover with $250 Excess (includes previously named Advantage Hospital $250 Excess, Hospital Value $250 Excess and Hospital Cover with Excess Bonus) Top Hospital Cover with $500 Excess (includes previously named Advantage Hospital $500 Excess, Hospital Value $500 Excess and Hospital Cover with Excess Level 5) 16

17 RETAIL S AT A GLANCE YOUNG SINGLES/COUPLES CHOICE (PACKAGED) YOUNG SINGLES/COUPLES SAVER (PACKAGED) Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for accommodation (including private room) and theatre fees only for accidents requiring urgent medical attention and the services included below. All other services that are not excluded receive Minimum Benefits for shared room accommodation. Public Hospitals: For Accidents requiring urgent medical attention and the services listed below shared room benefit plus a fixed benefit for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Inclusions: Knee arthroscopy and meniscectomy procedures Appendicitis Removal of tonsils and adenoids Dental surgery Minor gynaecological surgery (not including laparoscopy) EXCESS N/A N/A CO-PAYMENT $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. The co-payment does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs The co-payment will apply for all overnight and day services in a Cardiac and cardiac-related services Pregnancy (including childbirth) Hip and knee replacements including arthroplasty, revisions and resurfacing procedures Psychiatric services Gastric banding and all obesity related services (including any abdominoplasty) Dialysis for chronic renal failure Rehabilitation services $50 a day (including same day and public admissions), up to a maximum of $250 per hospital stay. The co-payment does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs The co-payment will apply for all overnight and day services in a All services other than the services listed above and exclusions pay minimum benefits Excess and Co-payments applies to in-patients only. 17

18 CORPORATE S AT A GLANCE This guide is for the use of hospital staff and providers only and does not contain all product information. Please also note this guide is subject to change without notice. Please note some companies cover the cost of the excess on behalf of their employees on selected corporate covers. In this situation, we will confirm to you if the excess should be charged when you conduct an eligibility check. CORPORATE CORPORATE INTERMEDIATE EXCESS accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Level 1 Nil Excess Level 2 $250 per hospital admission for adults Level 3 $500 per hospital admission for adults Excess payable on same day and public admissions. Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Level 1 Nil Excess Level 2 $250 per hospital admission for adults Level 3 $500 per hospital admission for adults Excess payable on same day and public admissions. Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on Hip and knee replacement including revisions and resurfacing procedures IVF & assisted reproductive services 18

19 CORPORATE S AT A GLANCE CORPORATE SAVER CORPORATE TOP EXCESS Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Level 1 Nil Excess Level 2 $250 per hospital admission Level 3 $500 per hospital admission Excess payable on same day and public admissions. Capped each calendar year at once per person, twice per couples or family membership when amount has been met in full. The excess does not apply on admissions for services with a minimum benefit, approved hospital ambulatory programs accommodation (including private room) and theatre fees except for Minimum Benefit and Excluded services. Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for Level 1 Nil Excess Level 2 $250 per hospital admission for adults Level 3 $500 per hospital admission for adults Excess payable on same day and public admissions. Capped each calendar year at once per adult when amount has been met in full. The excess does not apply to any child dependant covered on Psychiatric services Pregnancy (including childbirth) Hip and knee replacements including revisions and resurfacing procedures Gastric banding & all obesity related services (including any abdominoplasty) 19

20 CORPORATE S AT A GLANCE HEALTHLINK ADVANTAGE/ CLASSIC/ESSENTIALS PLUS HEALTHLINK EXCESS EXCESS BONUS (Excess Waiver) Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for $0, $250, $500, or $1000 capped at once per person, twice per membership per calendar year when amount has been met in full. Excess payable on same day and public admissions. No excess for any child dependant on HealthLink Advantage only. N/A Public Hospitals: Shared room minimum benefit plus a fixed benefit per day for a private overnight room. All other services that are not excluded receive shared room minimum benefits. Nil benefit for $0, $250, $500, or $1000 capped at once per person, twice per membership per calendar year when amount has been met in full. Excess payable on same day and public admissions. N/A For the first 24 months: Hip and knee replacement including revisions and resurfacing procedures (except where they are required as a result of an accident which occurs after the cover commenced) Dialysis for chronic renal failure Bone marrow transplants All psychiatric conditions (except eating disorders and post natal depression) For the first 24 months: Hip and knee replacement including revisions and resurfacing procedures (except where they are required as a result of an accident which occurs after the cover commenced) Dialysis for chronic renal failure Bone marrow transplants All psychiatric conditions (except eating disorders and post natal depression) 20

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