pre existing medical conditions
What is a pre-Existing Medical Condition?
A pre-existing medical condition* for you, your travelling companion, a relative or another person is:
- Any medical, physical or mental condition, defect, disease or illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or
- Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or
- Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, physical or mental illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or
- Any condition for which you have undergone surgery in the past 12 months; or
- Pregnancy that is not automatically covered by the Pregnancy section on page 49 of the Product Disclosure Statement.
- Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed.
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 Conditions 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
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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.
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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. |
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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 |
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5. Benign positional vertigo |
6. Bunions |
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7. Carpal tunnel syndrome |
8. Cataracts |
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9. Coeliac disease (gluten intolerance) |
10. Congenital blindness |
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11. Congenital deafness |
12. Dry eye syndrome |
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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. |
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15. Folate deficiency |
16. Gastric reflux (heartburn, indigestion) |
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17. Goitre |
18. Glaucoma (increased ocular pressure) |
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19. Graves' disease |
20. Hiatus hernia |
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21. Hypercholesterolaemia/high cholesterol |
22. Hyperlipidaemia (high blood lipids) Only if you don’t also suffer from a known cardiovascular disease. |
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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. |
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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 |
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27. Insulin resistance |
28. Menopause Provided you do not also have osteoporosis. Find out more about osteoporosis. |
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29. Nocturnal cramps |
30. Pernicious anaemia |
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31. Raynaud’s disease |
32. Sleep Apnoea |
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33. Trigeminal neuralgia |
34. Trigger finger |
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35. Vitamin B12 deficiency |
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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).
