Pre-existing medical conditions

Automatically covered pre-existing medical conditions

Pre-existing medical conditions

Please consider your medical history carefully. This policy provides cover for unexpected sudden illnesses or serious injuries.
We automatically include cover for specific pre-existing medical conditions (listed below), subject to the following:

  • you’ve not been hospitalised for the condition in the past 24 months, and;
  • your medications for the condition have remained unchanged for the past 6 months.

Timeframes are in relation to the date of issue of the policy. If you have a pre-existing medical condition not included in this list, then it’s not covered. We won’t pay for any claims where that medical condition is a contributing factor. This definition applies to you, your travelling party, a close relative or any other person named on the Certificate of Insurance.

What’s a pre-existing medical condition?

Our definition of pre-existing medical condition is, in the 12 months before buying the policy:

  • a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware;
  • a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor);
  • any condition for which you take prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication;
  • any condition for which you’ve had surgery; or
  • any condition for which you see a medical specialist. This definition applies to you, your travelling party, a close relative or any other person named on the Certificate of Insurance.

Automatically covered pre-existing medical conditions

The following medical conditions are automatically covered under this policy.

  • Acne
  • Allergies – limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever
  • Anxiety – if:
    • Your prescribed medication hasn’t changed within the last 12 months, or;
    • You have not been diagnosed with depression within the last 3 years, or;
    • You do not have any appointments pending with a psychologist or psychiatrist, or;
    • You have not needed to cancel or interrupt any previous travel plans due to your anxiety
  • Asthma – if you:
    • have no other lung disease, and;
    • are under 60 years of age on the date of policy purchase
  • Attention Deficit Hyperactivity Disorder (ADHD)
  • Bell’s Palsy
  • Benign paroxysmal positional vertigo (BPPV)
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease
  • Congenital blindness
  • Congenital deafness
  • Depression – if:
    • Your prescribed medication hasn’t changed within the last 12 months, or;
    • You have not been hospitalised for your depression within the last 2 years, or;
    • You do not have any appointments pending with a psychologist or psychiatrist, or;
    • You have not needed to cancel or interrupt any previous travel plans due to your depression
  • *Diabetes mellitus (also known as Type I diabetes) – if you:
    • were diagnosed over 12 months ago, and;
    • have no eye, kidney, nerve or vascular complications, and;
    • don’t also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia, and;
    • are under 60 years of age at the date of policy purchase.
  • *Diabetes mellitus (also known as Type II diabetes) – if you:
    • were diagnosed over 12 months ago, and;
    • have no eye, kidney, nerve or vascular complications, and;
    • don’t also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia.
  • Dry eye syndrome
  • Epilepsy – if there’s been no change to your medication regime in the past 12 months
  • Folate deficiency
  • Gastric reflux
  • Goitre
  • Glaucoma
  • Graves’ disease
  • Hiatus hernia
  • *Hypercholesterolaemia (high cholesterol) – if you don’t also suffer from a known cardiovascular disease and/or diabetes
  • *Hyperlipidaemia (High Blood Lipids) – if you don’t also suffer from a known cardiovascular disease and/or diabetes
  • *Hypertension (High Blood Pressure) – if you don’t also suffer from a known cardiovascular disease and/or diabetes
  • Hypothyroidism – including Hashimoto’s disease
  • Impaired glucose tolerance
  • Incontinence
  • Insulin resistance
  • Iron deficiency anaemia
  • Macular degeneration
  • Meniere’s disease
  • Migraine
  • Nocturnal cramps
  • Osteopenia
  • Osteoporosis
  • Pernicious anaemia
  • Plantar fasciitis
  • Raynaud’s disease
  • Sleep Apnoea
  • Solar keratosis
  • Trigeminal neuralgia
  • Trigger finger
  • Vitamin B12 deficiency

*Diabetes (Type I and Type II), hypertension, hypercholesterolaemia and hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it’s a pre-existing medical condition, cover for these conditions is also excluded.

Claims for any pre-existing medical condition not listed above as an automatically covered pre-existing condition are excluded under this policy.

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