This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Morgan Price
This is Morgan Price's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Morgan Price — Flexible Choices brochure, valid from April 2025 — showing every published column.
From the insurer's published documents
| The Core | ||
|---|---|---|
| Maximum Sum Insured | ||
| *Pre-authorisation required. | ||
| Benefit | ||
| Maximum Sum Insured | $250,000, $500,000 or $1,000,000 | |
| In-Patient & Day-Patient Benefits | ||
| Benefit | ||
| In-patient treatment*Cost of hospital accommodation in a standard single bedded room (where available), nursing, operating theatre fees, high dependency/intensive care/coronary care unit and special nursing fees.Surgeons’, anaesthetists, consultants and physician fees.Physiotherapy.Internal prosthesis, medical aids/devices where used as an integral part of a surgical procedure.Prescribed drugs and dressings.Diagnostic tests including x-rays, pathology and MRI/CT/PET scans. | Full Refund | |
| Day-Patient Treatment* | Full Refund | |
| Out-Patient Hospital Charges – pre and post operative consultations and diagnostic tests within 15 days (before or following) an in-patient admission. | Full Refund | |
| Organ Implantation* | $250,000 | |
| Rehabilitation* | 30 days | |
| Accommodation to Stay with Child* | Full Refund | |
| Emergency Dental Treatment | Full Refund | |
| Local Ambulance Services | Full Refund | |
| Accident and Emergency Room Treatment | Full Refund | |
| Chronic Conditions | ||
| Benefit | ||
| Acute Treatment of a Chronic Medical Condition* | $100,000 | |
| Routine Management & Palliative Treatment for each Chronic Medical Condition* | $25,000 | |
| Kidney Dialysis* | $10,000 | |
| HIV & AIDS Treatment* – A 2 year waiting period applies to this benefit. | $5,000 each insured period up to a $37,500 lifetime limit | |
| Cancer Care | ||
| Benefit | ||
| Cancer Treatment* | Full Refund | |
| Emergency Evacuation & Repatriation | ||
| Benefit | ||
| Emergency Medical Transfer* | Full Refund | |
| Overnight Accommodation* | $200 Maximum 10 nights per event | |
| Transportation of Children* | Full Refund | |
| Transportation of Mortal Remains | ||
| Benefit | ||
| Transportations of Mortal Remains* | $3,000 | |
| Out of Area Treatment Benefit | ||
| Benefit | ||
| Emergency Out of Area Treatment | $100,000 up to 30 days travel only | |
| Accidental Death Benefit | ||
| Benefit | ||
| Accidental Death - Accidental death benefit payable if an insured person dies as a direct result of an accident or injury (not sickness or illness) which occurs during the period of cover. | $100,000 | |
| Optional Modules | ||
| Out-patient Modules | ||
| The following Optional Modules can be added to The Core. | ||
| All members must select the same Modules. | ||
| Standard rates include a 10% co-insurance (excluding Annual Wellness Check and Cancer Screening) | ||
| Benefit | Out-patient Module 1 | Out-patient Module 2 |
| Annual limit per person | $2,500 | $6,000 |
| Out-patient ServicesThe services of a physician and/or consultant including diagnostic tests, investigations including ECG, x-rays, pathology, histology, MRI/CT/PET scans and minor surgery in a doctors’ clinic/consulting rooms. | Full Refund | Full Refund |
| PhysiotherapyAmount available for the treatment of physiotherapy by a licensed physiotherapist. | 10 sessions | 10 sessions |
| Prescription DrugsPrescribed drugs, medicines, slings, supports and bandages | Full Refund | Full Refund |
| Mobility AidsThe cost of hiring mobility aids including walking sticks or frames, wheelchairs and crutches. | $1,800 | $1,800 |
| Alternative TherapiesChiropractic, homeopathy, osteopathy, acupuncture, Ayurvedic, herbal and Chinese medicines, provided by a licensed practitioner, including prescribed drugs and medicines. | $1,000 | $2,000 |
| Child VaccinationRoutine and preventative vaccinations for an insured child up to the age of 10. | $75 after 6 month wait | $75 after 6 month wait |
| Annual Wellness CheckCost towards a preventative health check-up | $200 6 month waiting period | $300 6 month waiting period |
| Cancer ScreeningCovers cervical smears, mammograms and prostate, colon, and testicular screening. | $500 (1 screen per year) | Full Refund (1 screen per year) |
| Dental Module | ||
| Benefit | ||
| Routine Dental Treatment1 annual check-up, 1 annual visit to the hygienist, simple tooth extraction, x-rays, moulds, fillings using amalgams or composite materials and treatment for the relief of an infection including prescribed antibiotics, temporary fillings and oral prophylaxis restricted to scaling and polishing only. | $500 6 month waiting period | |
| Major Dental TreatmentRoot canal treatment, new or repairs to porcelain crowns, and new or repairs to bridgework. Extraction of buried, impacted or un-erupted wisdom teeth only on an in-patient, day-patient or out-patient basis. Orthodontic work for insured children under the age of 19. | $500 9 month waiting period | |
| Maternity Module | ||
| Pre-authorisation require | ||
| Maternity Benefits have a 12 month waiting period | ||
| Benefit | ||
| Routine Pregnancy & ChildbirthThe costs of treatment for all pre-natal care; delivery costs; hospital accommodation for the new-born immediately following birth; and post-natal care for the mother. | $5,000 | |
| ComplicationsThe costs of treatment for all pre-natal care; delivery costs; hospital accommodation for the new-born immediately following birth; and post-natal care for the mother, where complications occur during the pregnancy or childbirth. For the purposes of this policy complications of pregnancy and childbirth will only be deemed to include the following: toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole, ante and post-partum haemorrhage, retained placenta membrane, stillbirths, miscarriage, emergency caesarean sections (where a physician has certified that it is medically necessary) and abortions (where a physician has certified it is medically necessary).Please note for Routine Pregnancy & Childbirth and Complications that no cover is available for:Terminations of pregnancy on non-medical grounds.Ante-natal classes and midwifery costs when not directly associated with the childbirth delivery.Treatment received by the new-born after the initial paediatric check-up unless the new-born is added to the insured persons policy within 14 days of birth.There is no cover for the pregnancy, delivery for new born where the pregnancy has been conceived using any form of assisted reproduction (including in vitro fertilisation).Caesarean sections that are planned due to previous caesarean sections (eligible claims would be covered under Routine Pregnancy & Childbirth). | $10,000 | |
| Premature Baby CoverThe costs of medical treatment for a premature baby where received during the first 2 months following birth.Please note for Premature Baby Cover that no cover is available:Where the baby has not been added to the insured persons policy within 14 days of birth.For continuing treatment after the expiry of the initial 2 month period other than for new and unrelated medical conditions.Treatment received by the new-born after the initial paediatric check-up unless the new-born is added to the insured persons policy within 14 days of birth.There is no cover for the pregnancy, delivery for new born where the pregnancy has been conceived using any form of assisted reproduction (including in vitro fertilisation). | Included in the Complications benefit | |
| Paediatric BenefitContribution towards the costs of an initial paediatric check-up for the new-born. | $200 | |