What Is A Pre-Existing Medical Condition?

Pre-existing Medical Condition means any medical or dental condition at any time prior to the purchase of the policy, or for Frequent Traveller Saver Policies the time at which any part of the trip is paid for (whichever occurs last): 

  • where investigation, tests, treatment, surgery, medical consultation and/or advice has been obtained (whether or not a formal diagnosis has been made); 
  • where drugs or other treatment has been prescribed; 
  • any chronic or ongoing medical condition; or 
  • any complications arising from such conditions referred to above whether direct or indirect. 

This definition applies to you, your travelling companion, a close relative or any other person.

We have a list of Pre-Existing Medical Conditions that we do cover, and anything NOT on that list is excluded from cover. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

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