What is a Medical Condition?

The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for you and your trip.

Note: We refer to ‘pre-existing medical conditions’ as “existing medical conditions”on our website and in our PDS. 

We consider an existing medical condition to be a medical condition as defined below, that existed during the: 

  • 3 years prior to your policy issue date; or 
  • for any change in health including a new medical condition, the period between the time of policy issue date and the date of departure for your trip (other than for a claim under Benefit 5: Trip Cancellation Expenses, relating to the cancellation or re-scheduling of your trip, between the time of your policy issue date and the date of departure for your trip). 

If the medical condition or pregnancy condition existed more than 3 years prior to policy issue date, unless it is ongoing, such as requiring ongoing medication etc as stated below, we do not require you to declare that medical condition to us. 


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,  
  • soughtor received medical advice from a medical practitioner or other health care professional for,  
  • had tests, investigations, care, treatmentor 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,  
  • a persistent and lasting health condition such as constant pain or long-suffering pain or pain with a pattern of relapse and remission, or 
  • any conditions related to previousand current pregnancy as detailed in “What is a Pregnancy Condition” as described below, and “Pregnancy Cover” in the PDS. 

What is a pregnancy condition? 

A pregnancy condition means you are pregnant and any of the following circumstances apply to you:  

  • You are experiencing complications with the pregnancy that fall within the definition of Complications of pregnancy and childbirth in Table 1.1 in the PDS,  
  • You experienced complications with any previous pregnancy that fall within the definition of Complications of pregnancy and childbirth in Table 1.1 in the PDS, or  
  • You are having multiple children (e.g. twins, triplets or more), or  
  • Your conception was medically assisted (e.g. hormone therapy or IVF). 

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply. 

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

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