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Important Information Regarding Pre-existing Medical Conditions

We do not cover any pre-existing medical condition that you had before the cover started.

Pre-existing Medical Conditions that are covered for free are listed in the Table of Automatically Covered Conditions shown below. Providing that the insured has not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in past 24 months.

Important limitations – Cancelling your trip before departure

This policy will not cover any claims under section A (Cancelling your trip before departure) that result directly or indirectly from any medical condition you knew about before the policy started, and that affects:

  • A close relative who is not travelling and is not an insured person under this policy;
  • Someone who is travelling with you who is not an insured person under this policy; or
  • A person you plan to stay with on your trip.

They will not be covered if during the 90 days before this policy started, they:

  • needed surgery, inpatient treatment or hospital consultations;
  • needed any treatment or prescribed medication; or
  • were on a waiting list for, or knew they needed surgery, inpatient treatment or tests at any hospital or clinic when this policy started; or
  • had been diagnosed with a terminal condition (that will cause their death) before this policy started.

You should also refer to the general exclusions of the PDS.

Table of Automatically Covered Medical Conditions

Pre-existing Medical Conditions that are covered for free: provided that insured has not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months.

We do not cover medical problems that you had before the cover started unless your medical condition is on the list of Automatically Covered Medical Conditions

Acne

Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever

Asthma – Providing that you:-

a.        Have no other lung disease and

b.        Are less than 60 years of age at the date of policy issue

Bell’s Palsy

Benign Positional Vertigo

Bunions

Carpal Tunnel Syndrome

Cataracts

Coeliac Disease

Congenital Blindness

Congenital Deafness

*Diabetes Mellitus  (Type I) providing you:-

a)        Were diagnosed over 12 months ago and

b)        Have no eye, kidney, nerve or vascular complication and

c)        Do not suffer from a known cardiovascular disease, hypertension or hypercholesterolemia  and

d)        Under 50 years of age at the date of policy issue

*Diabetes Mellitus (Type II) providing you were:-

a)        Were diagnosed over 12 months ago and

b)        Have no eye, kidney, nerve or vascular complication and

c)        Do not suffer from a known cardiovascular disease, hypertension or hypercholesterolemia

Dry Eye Syndrome

Epilepsy – providing there has been no change in medication regime in the last 12 months

Folate Deficiency

Gastric Reflux

Goitre

Glaucoma

Grave’s Disease

Hiatus Hernia

*Hypercholesterolaemia (high Cholesterol)  providing – you do not also suffer from a known cardiovascular disease and/ or diabetes

*Hyperlipidaemia (High Blood Liquid) - providing – you do not also suffer from a known cardiovascular disease and/ or diabetes

*Hypertension (High Blood Pressure) providing – you do not also suffer from a known cardiovascular disease and/ or diabetes

Hypothyroidism, incl Hashimoto’s  disease

Impaired Glucose Tolerance

Incontinence

Insulin Resistance

Iron Deficiency Anaemia

Macular Degeneration

Meniere’s Disease

Migraine

Nocturnal Cramps

Osteopenia

Osteoporosis

Pernicious Anaemia

Plantar Fasciitis

Raynaud’s Disease

Sleep Apnoea

Solar Keratosis

Trigeminal Neuralgia

Trigger Finger

Vitamin B12 Deficiency