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Specialist and Testing Support

Specialist and Testing Support is designed for customers looking for basic, entry-level cover to help with the cost of specialist consultations or diagnostic tests and procedures.

Getting an appointment with a medical specialist to diagnose a health issue could mean waiting on the public health system or having to pay for a private consultation with expensive medical tests or procedures. With Specialist and Testing Support your clients have access to these services when they need them without the added expense of comprehensive insurance. It also gives them peace of mind to get an earlier diagnosis, which may get them onto the public waitlist sooner if treatment is required.

What products can your clients add Specialist and Testing Support to?

Your clients can add Specialist and Testing Support to eligible Life, Trauma, Income Protection and Total Permanent Disablement insurance including our AIA Living range, subject to minimum cover requirements. It cannot be added to Starter Plans or AIA Health products.

Key benefits for your clients

  • Up to $10,000 cover per year for specialist consultations, including cardiologists, ear, nose and throat specialists, gastroenterologist, gynaecologists and more when referred by a registered medical practitioner.

  • Up to $100,000 cover per year for diagnostic tests and procedures, including colonoscopies, EEGs, EMGs, ECGs, mammograms, MRI scans, PET / CT scans, cystoscopies and more, when referred by a registered medical practitioner.

  • Includes a health screening allowance of up to $500 (increased to $750 for AIA Vitality members), payable every three years towards approved screening costs, of tests including bowel screening, breast screening, prostate screening, skin checks, heart screening and more.

  • Skip the long wait times in the public system and get the answers you need sooner, so you can then access treatment earlier.

  • $1,500 towards costs for obstetric care (including scans), infertility diagnosis and treatment at an approved facility; available after two years of cover.

What's included in Specialist and Testing Support

The table below outlines the claimable categories and the maximum cover.

Claimable Categories
Maximum cover
SPECIALIST CONSULTATIONS
Cover for specialist consultations when referred by a registered medical practitioner.
$10,000 per policy year
DIAGNOSTIC IMAGING, TESTS, AND PROCEDURES - Covers the following diagnostic procedures performed at an approved facility when referred by a registered medical practitioner:
Allergy testing
Audiology tests
CT scans
Capsule endoscopy
Colonoscopy
Colposcopy
Cystoscopy
Electroencephalography (EEG)
Electromyography (EMG)
Exercise/Stress ECG
Gastroscopy
Holter monitoring/24 Hour Ambulatory monitoring
Laboratory tests
Mammography
MRI scans
Myelogram
Myocardial perfusion imaging
PET/CT scans
Scintigraphy
Sleep studies
Ultrasound
Urodynamic assessments
X-rays
$100,000 per policy year
PREGNANCY, MATERNITY AND INFERTITLITY ALLOWANCE - Covers the following services carried out by a registered medical practitioner or a specialist at an approved facility:
Infertility diagnosis
Obstetric care (including scans)
Treatment
After two years, $1,500 per policy year.
Obstetric (pregnancy or maternity) claims are limited to $1,500 per pregnancy.
HEALTH SCREENING ALLOWANCE - Provides cover for the below imaging, tests and procedures at an approved facility:
Aortic aneurysm screening
Bone screening (osteoporosis)
Bowel screening
Breast screening
Cervical screening
Eye tests and / or visual field tests
Hearing tests
Heart screening
Prostate screening
Skin checks
Over each three-year period;
$500 (after three years) or $750 for AIA Vitality members (after two years)
What does Specialist and Testing Support not cover?

Specialist and Testing Support is designed to give you access to the answers you need quickly. It's a great way to get faster access to a diagnosis without the cost of comprehensive health cover or the wait of the public system. While it covers a wide range of specialist tests, diagnostic procedures and consultations, there are a few things it doesn't cover. Please refer to the policy wording for limitations and exclusions.