Am I covered if I was born with one kidney but have never had to see a doctor or take medication?

For the purposes of our policies, your medical condition would still be considered a pre-existing medical condition, which would not be covered.
You still have cover for unexpected sicknesses or injuries which are not directly or indirectly related to your pre-existing medical condition. 
We cover 43 pre-existing medical conditions, and anything that is not on the list is not covered.
As every traveller's situation is different, the Claims team assess all claims on a case by case basis. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

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