Do I need to do a medical screening?
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.
You can complete a medical screening for:
- Your existing medical conditions that you have or have had, for the 3 years prior to your policy purchase date,
- Any changes to your existing medical conditions which are listed as covered conditions on your certificate of insurance, after you buy your policy and before you leave for your trip,
- 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 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.
Some medical conditions may be interconnected, so to enable us to accurately determine whether or not we can provide you with cover for your medical or pregnancy conditions, you must declare all the medical or pregnancy conditions that you have, or changes to your health, even if you:
- Don’t want cover for them, or
- Consider them treated, dormant or under control, or
- Don’t consider them important or related to any of your other conditions.
If you only declare some, and not all of your Medical conditions or Pregnancy conditions, you may not have cover for your Medical conditions or Pregnancy conditions that are listed as covered on your Certificate of insurance.
Unless the medical condition is ongoing, that is, meets any of the criteria for a medical condition as listed in the PDS, such as it continues to require ongoing prescription medication, checkups etc, you do not need to complete a medical screening for the condition that you had more than 3 years prior to policy purchase.
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*.
IMPORTANT:
If you have:
- had a medical or pregnancy condition within the 3 years prior to your policy purchase date, or
- not notified us of a change in health or new medical condition as mentioned above, and
- they are not listed as a covered condition on your certificate of insurance,
there is no cover for any claims under the policy arising from any of those medical or pregnancy conditions.
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).
Read more about travelling with a pre-existing medical condition:
Please note: any 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.