What existing medical conditions are not included under my travel insurance policy?
Fast Cover may include cover for many medical conditions, but not all existing conditions are automatically included. Whether your existing medical condition can be included depends on several factors.
We do not cover any claims under the policy benefits arising from any medical condition or pregnancy condition that existed during:
• the period of 3 years prior to your Policy issue date; or
• the period between the time of your Policy issue date and the date of departure for your trip (other than for a claim under the benefit Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your Policy issue date and the date of departure for your trip),
unless we agree to list the relevant medical condition or pregnancy condition as covered on your Certificate of insurance. If any Changes in health occur after We have listed any Medical condition or Pregnancy condition as covered and before the date of departure for Your Trip, the cover for those listed conditions are automatically excluded from the time the Changes in health occurred, unless You undertake an additional medical screening and We agree to list them as covered.
Any cover is subject to the other terms and conditions (including exclusions and limits) of the Policy which may otherwise affect cover. Any rights we have will only be exercised to the extent permitted by applicable law. See General Exclusions that apply to all benefits in our PDS.
After the date of departure for your trip, we will not agree to list a medical condition as covered on your Certificate of insurance.
No cover is provided under this Policy for any claims arising from, or any way related to a medical condition or pregnancy condition which existed within the period of 3 years prior to the Policy issue date, of any person who is not named on your Certificate of insurance, except as specifically considered as close relative conditions under the Trip Cancellation Expenses benefit, or Trip Disruption Expenses benefit or Trip Resumption Expenses benefit.
It’s important to review the full list of general exclusions and understand what we define as a pre-existing condition. You can review the PDS
- What is considered an existing medical condition
- How medical and pregnancy conditions are screened
- The general exclusions that may apply
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.