An existing medical condition is any medical condition which:
- at the time you buy your policy is:
- pending follow-up consultation, treatment or surgery; or where these are recommended or planned; or
- in the six months prior to the time you buy your policy there has been:
- treatment by a medical practitioner; or
- medication prescribed; or
Applying for cover
If you have an existing medical condition that is not automatically covered, you must complete a medical screening at the time you buy a Comprehensive, Australian Travel or Annual Multi Trip Plan. If we agree to offer you cover for your existing medical condition(s), these can be added to your policy under the Specified medical conditions option for an additional premium.
What happens if you choose not to get cover for your existing medical condition?
If you have an existing medical condition that’s not automatically covered under your policy or added to your policy as a specified medical condition, then you won’t be covered for any claim that arises from that existing medical condition.
Automatically covered conditions
We automatically cover you for over 40 existing medical conditions that may exist at the time you buy your policy. Your medical condition is classified by us as an automatically covered condition if it’s listed in the table below, provided that you satisfy all criteria listed for that condition. You must read this information together with the General exclusions, as these may affect your cover.
Travelling while pregnant
For information regarding travelling while pregnant please refer to the PDS.
Existing medical conditions of other people
The definition of existing medical condition also applies to claims you make that arise from the existing medical condition(s) of your travelling party, a close relative, and your business partner.
There are exclusions that may apply to claims arising from existing medical condition(s).