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Insurance for Hospital Incidentals


Cover yourself for incidental costs incurred during hospital stays

Sometimes the unexpected can happen while you’re travelling away from home, and should you find yourself admitted to hospital, the last thing you want to worry about are incidental expenses. Thankfully, Cover-More’s Premium Plan and Inbound Plan also provide cover for incidentals such as phone calls and magazines if you’re hospitalised overseas. To find out exactly what’s covered, please refer to our full PDS, or read the below to understand more details about our current hospital incidentals coverage, effective 31 March 2021.

Already travelling on a Cover-More policy and have been admitted to hospital? You must contact our emergency assistance team as soon as possible on +61 2 8907 5619. Our team of doctors, nurses, case managers and travel agents can provide you with emergency assistance. You, or someone on your behalf, should phone our emergency assistance team as soon as possible if you require hospitalisation, if your medical expenses will exceed $2,000 or if you want to return early.

Ready to travel and need to purchase a policy? Get a quick quote online for Cover-More travel insurance or call us on 1300 72 88 22.

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Understanding our hospital incidentals benefit

Should the unfortunate happen and you’re hospitalised while travelling on a Cover-More travel insurance policy, we will provide cover for incidentals during your stay such as phone calls and magazines.

However, this coverage only applies if you’re hospitalised overseas as a result of a disabling injury, sickness or disease during the period of your insurance policy, and that the period of confinement is a minimum of 48 hours. You can claim for hospital incidentals up to $50 for each night you are hospitalised overseas, provided original receipts for these expenses are submitted with your claim and your claim is approved by Cover-More.

Please note the maximum benefit limit for Cover-More’s hospital incidental cover is:

Premium Plan $6,000
Medical Only Plan No cover
Domestic Plan No cover
Domestic Cancellation Plan No cover
Inbound Plan $1,000

Please also refer to our General Exclusions and Policy Conditions.

Our hospital incidental definitions decoded

When submitting claims for Cover-More’s hospital incidentals cover, it’s helpful to know how we classify the term “Disabling Injury, Sickness or Disease”:

“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease that first shows itself during your period of insurance, and that requires immediate treatment by a qualified medical practitioner or dentist.

Do you want peace of mind with our hospital incidentals cover? Call the Cover-More travel insurance team on 1300 72 88 22 to discuss our policies, or if you’re ready to purchase then get a quote online.


The information on this page relates to the Direct Cover-More travel insurance product effective 31 March 2021.