What pre-existing medical conditions are covered?

Travel insurance only provides cover for emergency overseas medical events that are unforeseen.

The following 43 Pre-existing Medical Conditions are automatically covered, provided that:

  • You have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months and
  • Your medications for that condition have remained unchanged for the past 6 months.

If you have a Pre-existing Medical Condition that is not included in the below list of 43 conditions then it is not covered and we will not pay for any claims where your medical history is a contributing factor.

  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  3. Asthma, providing that you:
    • have no other lung disease, and
    • are less than 60 years of age at the date of policy purchase
  4. Bell's Palsy
  5. Benign Positional Vertigo
  6. Bunions
  7. Carpal Tunnel Syndrome
  8. Cataracts
  9. Coeliac Disease
  10. Congenital Blindness
  11. Congenital Deafness
  12. *Diabetes Mellitus (Type I), providing you:
    • were diagnosed over 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and
    • are under 60 years of age at the date of policy purchase
  13. *Diabetes Mellitus (Type II), providing you:
  • were diagnosed over 12 months ago, and
  • have no eye, kidney, nerve or vascular complications, and
  • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia 14. Dry Eye Syndrome
  1. Epilepsy, providing there has been no change to your medication regime in the past 12 months, and you are not on more than one anti-convulsant medication
  2. Folate Deficiency
  3. Gastric Reflux
  4. Goitre
  5. Glaucoma
  6. Graves' Disease
  7. Hiatus Hernia
  8. *Hypercholesterolaemia (High Cholesterol), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  9. *Hyperlipidaemia (High Blood Lipids), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  10. *Hypertension (High Blood Pressure), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  11. Hypothyroidism, including Hashimoto's Disease
  12. Impaired Glucose Tolerance
  13. Incontinence
  14. Insulin Resistance
  15. Iron Deficiency Anaemia
  16. Macular Degeneration
  17. Meniere's Disease
  18. Migraine
  19. Nocturnal Cramps
  20. Osteopenia
  21. Osteoporosis
  22. Pernicious Anaemia
  23. Plantar Fasciitis
  24. Raynaud's Disease
  25. Sleep Apnoea
  26. Solar Keratosis
  27. Trigeminal Neuralgia
  28. Trigger Finger
  29. Vitamin B12 Deficiency

* Diabetes (Type I and Type II), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions are also excluded.

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