Do I have a medical condition for travel insurance purposes?
A Medical Condition means any bodily or physical injury, physical defect, illness, disease or other medical or dental Condition or sign or symptom of these things, the applicable person:
- required prescription medication for or has been prescribed medication from a medical practitioner in writing for,
- sought or received medical advice from a medical practitioner or other health care professional for,
- had tests, investigations, care, treatment or 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
- an allergy or food intolerance,
- a persistent and lasting condition in medicine such as constant pain or long-suffering pain or pain with a pattern of relapse and remission.
- any conditions related to previous and current pregnancy as detailed in What is a Pregnancy Condition and in the ‘Pregnancy Cover’ section of the Product Disclosure Statement (PDS).
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.