Am I covered for a new medical condition if I develop it after I buy travel insurance?
The following advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you.
New medical conditions that you have prior to your trip departure:
You must complete a medical screening if you develop a new medical condition after you buy your policy and prior to your departure for your trip, as cover is only available under your policy if your new medical condition is listed as a covered condition on your certificate of insurance.
If we agree to provide you with cover for your new medical condition following your medical screening, you will need to pay an additional premium, and your medical condition will be listed a covered condition on your certificate of insurance.
IMPORTANT:
If you do not notify us of any changes to your in health or new medical condition after policy purchase and prior to departure for your trip and it is not listed as a covered condition on your certificate of insurance, there is no cover for any claims under the policy arising from the change to your health or new medical condition.
New medical conditions that you develop during your trip:
You do not need to complete a medical screening for new medical conditions that you develop after you have departed for your trip, as cover is provided available under our policies for unexpected sickness or injury.
Check out our Medical Conditions page for more information about:
- What we consider to be an existing medical condition,
- Medical screening for your existing medical and pregnancy conditions, and
- Information about the General Exclusions that may apply.
As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).