Is my pre-existing medical condition covered?

The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for you and your trip.

Our travel insurance can provide cover for many medical conditions. 

You can complete a medical screening for: 

  1. Your existing medical conditions that you have or have had, for the 3 years prior to your policy purchase date, 
  2. Any changes to your existing medical conditions which we have agreed to cover, after you buy your policy and before you leave for your trip, 
  3. New medical conditions you develop after you buy your policy and before you leave for your trip. 

If we agree to provide you with cover for your medical conditions following your medical screening, an additional premium will apply. 

Unless the medical condition is ongoing, that is, meets any of the criteria for a medical condition as listed below, such as it continues to require ongoing prescription medication etc., you do not need to complete a medical screening for the condition that you had more than 3 years prior to policy purchase. 


IMPORTANT:  

If you have had a medical or pregnancy condition within the 3 years prior to your policy purchase date, and you have not completed a medical screening for those conditions, or you have not notified us of a change in health or new medical condition as mentioned above, there is no cover for any claims under the policy arising from any of those medical or pregnancy conditions. You should also be aware of the General Exclusions that apply to all benefits, in particular General Exclusion 20 and 22 of the PDS. 


What is a medical condition? 

We consider a medical condition to be any bodily or physical injury, physical defect, illness, disease or other medical or dental condition or sign or symptom of these things, which you and anyone listed on your policy (including dependants travelling with you): 

  • required prescription medication for or has been prescribed medication from a medical practitioner in writing for, 
  • soughtor received medical advice from a medical practitioner or other health care professional for, 
  • had tests, investigations, care, treatmentor medical attention including surgery for, 
  • been admitted to hospital for (including emergency department or day surgery procedure), or 
  • became aware of or which a reasonable person in the circumstances would have been aware of. 

It includes but is not limited to: 

  • the suffering or treatment of mental illness, 
  • a brain, heart (such as any cardiovascular or coronary heart disease or any condition related to a heart or blood vessels), kidney, liver, respiratory, circulatory (such as high blood pressure, stroke, or transient ischaemic attack), cancer or cancerous condition, 
  • reduced or deficient immune system, 
  • a sign or symptom of the above matters, or 
  • a persistent and lasting health condition such as constant pain or long-suffering pain or pain with a pattern of relapse and remission.  

What is a pregnancy condition?

We don’t consider pregnancy to be a medical condition, however, you do need to complete a medical screening if you are pregnant and you have a pregnancy condition, as listed below:  

  • You are experiencing complications with the pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or 
  • You experienced complications with any previouspregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or  
  • You are having multiple children (e.g. twins, triplets or more), or  
  • Your conception was medically assisted(e.g. hormone therapy or IVF).   

If any of the above applies to you, you will need to complete a medical screening so that we can assess whether or not we can provide you with cover for your medical condition. 

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply. 

Please refer to our Product Disclosure Statement for eligibility criteria, and policy terms, conditions, exclusions and limits that apply.