The 46 Pre Existing Medical Conditions We Automatically Cover You For
Firstly, this is how we define a pre-existing condition:
Is, in the 12 months before buying the policy:
| Condition Type | Definition |
|---|---|
| Awareness of condition or symptoms | A medical or dental condition (or its complications) that you’re aware of, or symptoms you’re aware of |
| Investigated or treated | A condition that is currently being or has been investigated or treated by a medical practitioner |
| Prescribed medication | Any condition for which you’ve been prescribed medication |
| Surgery | Any condition for which you’ve had surgery |
| Specialist visits | Any condition for which you’ve seen a medical specialist |
This definition applies to you, your travelling party, a close relative, or any other person named on the Certificate of Insurance
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.
The following medical conditions are automatically covered under this policy.
| Condition | Coverage Condition |
|---|---|
| Acne | Automatically covered |
| Allergies (rhinitis, sinusitis, eczema, etc) | Limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever |
| Anxiety | No med changes in 12 months, no depression diagnosed in 3 years, no pending psych appointments, no past travel interruptions due to anxiety |
| Asthma | No other lung disease, under 60 years old |
| • Attention Deficit Hyperactivity Disorder (ADHD) | Automatically covered |
| Bell’s Palsy | Automatically covered |
| BPPV (Benign paroxysmal positional vertigo) | Automatically covered |
| Bunions | Automatically covered |
| Carpal Tunnel Syndrome | Automatically covered |
| Cataracts | Automatically covered |
| Coeliac Disease | Automatically covered |
| Congenital Blindness | Automatically covered |
| Congenital Deafness | Automatically covered |
| Depression | No med changes in 12 months, no hospitalisation in last 2 years no pending psych appointments, no past travel interruptions due to depression |
| Diabetes Mellitus (Type I) | Diagnosed over 12 months ago, no complications (eye, kidney, nerve, vascular), no cardiovascular disease, hypertension, lipids, under 60 at policy purchase |
| Diabetes Mellitus (Type II) | Diagnosed over 12 months ago, no complications (eye, kidney, nerve, vascular), no cardiovascular disease, hypertension, lipids, under 60 at policy purchase |
| Dry Eye Syndrome | Automatically covered |
| Epilepsy | No med changes in past 12 months |
| Folate Deficiency | Automatically covered |
| Gastric Reflux | Automatically covered |
| Goitre | Automatically covered |
| Glaucoma | Automatically covered |
| Graves’ Disease | Automatically covered |
| Hiatus Hernia | Automatically covered |
| Hypercholesterolaemia (High Cholesterol) | Only if no cardiovascular disease and/or diabetes |
| Hyperlipidaemia (High Blood Lipids) | Only if no cardiovascular disease and/or diabetes |
| Hypertension (High Blood Pressure) | Only if no cardiovascular disease and/or diabetes |
| Hypothyroidism (incl. Hashimoto's) | Automatically covered |
| Impaired Glucose Tolerance | Automatically covered |
| Incontinence | Automatically covered |
| Insulin Resistance | Automatically covered |
| Iron Deficiency Anaemia | Automatically covered |
| Macular Degeneration | Automatically covered |
| Meniere’s Disease | Automatically covered |
| Migraine | Automatically covered |
| Nocturnal Cramps | Automatically covered |
| Osteopenia | Automatically covered |
| Osteoporosis | Automatically covered |
| Pernicious Anaemia | Automatically covered |
| Plantar Fasciitis | Automatically covered |
| Raynaud’s Disease | Automatically covered |
| Sleep Apnoea | Automatically covered |
| Solar Keratosis | Automatically covered |
| Trigeminal Neuralgia | Automatically covered |
| Trigger Finger | Automatically covered |
| Vitamin B12 Deficiency | Automatically covered |
If you do not see the medical condition listed here, it is NOT covered. We won’t pay for any claims where that medical condition is a contributing factor.