pre existing medical conditions

 
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What is a pre-Existing Medical Condition?


A pre-existing medical condition* for you, your travelling companion, a relative or another person is: 

  • Anything (including mental illness), that you have seen a doctor or dentist for in the 90 days prior to purchasing your policy, regardless of how minor it may seem.
  • A heart, brain, circulatory system, lung/respiratory condition that you’ve had at ANY time (regardless of how long ago it was). 
  • Cancer that you’ve had an ANY time (regardless of how long ago it was).
  • Any chronic or ongoing medical or dental condition/s, even if you do not receive treatment for this condition.  
  • Any condition for which you have undergone surgery in the past 12 months.
  • Pregnancy that is not automatically covered by the Pregnancy section of the PDS
  • A condition that hasn’t been officially diagnosed, but is being investigated.​
     

If you fall in to any of the above categories, and your condition is not automatically covered, you will need to disclose your medical condition before you purchase your travel insurance. 


Which Pre-Existing Medical Condtions are automatically covered? 

 

 If your condition ISN'T in the table below, you will need to disclose it.
 

The pre-existing medical conditions listed in the table below are automatically covered by our policies, but you MUST meet all three criteria:

  • the condition has been stable for more than 12 months; and
  • there is no planned surgery, treatment or specialist review; and
  • you have not attended hospital for treatment for the condition in the past 12 months.
     

If your condition is listed below and you meet all the criteria, then you don’t need to disclose your medical condition when you’re purchasing your policy.  

1. Acne

2. Allergies

Only the following conditions are covered: rhinitis, chronic sinusitis, eczema, food intolerance, hay fever.

You also can’t be anaphylactic and you can’t carry an Epipen.

Please disclose your condition if your allergy does not meet these conditions.

3. Asthma

You can’t have any other lung disease you must be less than 60 years of age at the issue date of your policy. Please disclose your condition if you don’t meet one of these criteria.

4. Bell's palsy

5. Benign positional vertigo

6. Bunions

7. Carpal tunnel syndrome

8. Cataracts

9. Coeliac disease (gluten intolerance)

10. Congenital blindness

11. Congenital deafness

12. Dry eye syndrome

13. Diabetes mellitus (Type I & Type II)

Providing you are under 50 at the issue date of your policy, you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications, and you don’t also suffer from a cardiovascular disease.

 

Please disclose your diabetes if you do not meet these conditions.

14. Epilepsy

Providing you have not had any seizures in the past 12 months, and you are less than one anticonvulsant medication.

 

Please disclose your epilepsy if you do not meet these conditions.

15. Folate deficiency

16. Gastric reflux (heartburn, indigestion)

17. Goitre

18. Glaucoma (increased ocular pressure) 

19. Graves' disease

20. Hiatus hernia

21. Hypercholesterolaemia/high cholesterol

22. Hyperlipidaemia (high blood lipids)

Only if you don’t also suffer from a known cardiovascular disease.

23. Hypothyroidism (underactive thyroid)

Including Hashimoto’s disease.

24. Hypertension (High Blood Pressure)

Provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95.

25. Impaired glucose tolerance (glucose intolerance, pre-diabetes).

Providing you are under 50 years of age at the issue date of your policy. If you are not under 50 years of age, you’ll need to disclose your condition.

26. Incontinence

27. Insulin resistance

28. Menopause

Provided you do not also have osteoporosis. Find out more about osteoporosis.

29. Nocturnal cramps

30. Pernicious anaemia

31. Raynaud’s disease

32. Sleep Apnoea

33. Trigeminal neuralgia

34. Trigger finger

35. Vitamin B12 deficiency

 

If your condition is listed in the table, but you do not meet the three conditions for automatic coverage (listed above the table), you can still apply for travel insurance, but you will need to disclose your condition.

Please note that travel insurance won’t cover any routine treatment or management of your approved pre-existing medical conditions (eg. blood test and prescription renewals).