What pre-existing medical conditions don't you cover?

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*.

For example, we cannot provide cover for any claims arising from any:

• Medical condition or pregnancy condition that existed during the period of 3 years prior to your policy issue date which is: 
  • not listed as a covered condition in your certificate of insurance, or 
  • listed as an excluded condition in your certificate of insurance. 
• Medical condition or pregnancy condition which is listed as a covered condition in your certificate of insurance but changes in health have occurred after the issue date of the policy and before the earlier of the time your trip starts, unless: 
  • you complete a new medical screening after the changes in health occur, and 
  • we agree otherwise before the earlier of the date of departure for your trip or the time of the claim. 

This does not apply to a claim under Cover Benefit 5: Trip Cancellation Expenses relating to the cancellation or rescheduling of your trip which occurs between the issue date of your policy and the date of departure for your trip

• Routine medical, dental, chiropractor, physiotherapist or prenatal check-ups and visits, even if your medical condition is approved for cover by us following a medical screening, 
• Cosmetic treatments, or for any complications or other claims arising from such procedures or treatments, even if your medical condition is approved for cover by us following a medical screening, 
• Medical treatment undertaken against the advice of any medical practitioner, 
• Travel undertaken to seek medical advice, treatment, review or clinical trials, 
• Planned medical procedures or other non-emergency medical treatments or for any complications or other claims arising from such procedures or treatments, even if your medical condition is approved for cover by us following a medical screening, 
• Undiagnosed conditions where you were aware of, or a reasonable person in your circumstances reasonably should have been aware of: 
  • the change, signs or symptoms (including but not limited to: pain or discomfort anywhere on your body, persistent cough, chest pain, shortness of breath or unexplained bleeding), or 
  • the change and had not sought medical opinion, or 
  • was advised by your medical practitioner that the cause cannot be defined and/or it is still under investigation.

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).