Existing Medical Conditions

Online Medical Screenings

We automatically cover over 40 existing medical conditions (as defined) at no additional premium, provided you satisfy all criteria listed for the condition(s) as outlined in the policy.

If you have an existing medical condition that is not automatically covered, you can apply to have it covered for an additional premium during the quote process. The premium charged will vary depending on your medical condition and trip details. An additional excess may also apply.

During the medical assessment, you will be asked some simple questions about your medical condition(s) and your general health; we will then determine if we can provide cover to you and, if so, on what terms.

High risk medical conditions

If you have ever had any of the following medical conditions, you must have a medical screening before you buy your policy. We will then determine if the condition can be added to your policy and covered as a specified medical condition and on what terms.

  • heart conditions – cardiovascular/coronary heart disease;
  • respiratory conditions (except asthma and/or sleep apnoea providing they are automatically covered);
  • chronic kidney disease;
  • conditions involving the neck or back;
  • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);
  • immune system deficiencies/reduced immunity; or
  • any terminal illness.

Frequently asked questions about Existing Medical Conditions

What’s an existing medical condition?

An existing medical condition is any illness or injury for which, in the 12 months prior to policy purchase, you have:

  • had symptoms; or
  • been diagnosed; or
  • been prescribed medication; or
  • received (or are waiting for) medical treatment; or
  • received (or are waiting for) tests, investigations or specialist consultation; or
  • received or been advised to attend a follow-up consultation; or
  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling party, a close relative, and your business partner and co-worker.

What happens if you choose not to get cover for your existing medical condition(s)?
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 in relation to that existing medical condition.
What if I can’t complete the screening online?
You can also complete the screening by contacting our Customer Service Centre on 1300 783 146 (Australian customers) or 0800 800 608 (New Zealand Customers) between 9:00am and 7:00pm Monday to Friday, or 9:00am to 1:00pm Saturdays (AEST/AEDT).
High risk medical conditions

If you have ever had any of the following medical conditions, you must have a medical screening before you buy your policy. We will then determine if the condition can be added to your policy and covered as a specified medical condition and on what terms.

  • heart conditions – cardiovascular/coronary heart disease;
  • respiratory conditions (except asthma and/or sleep apnoea providing they are automatically covered);
  • chronic kidney disease;
  • conditions involving the neck or back;
  • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);
  • immune system deficiencies/reduced immunity; or
  • any terminal illness.

Automatically covered conditions

We automatically cover you for over 40 existing medical conditions. 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 section together with the General exclusions, as these may affect your cover. 

Acne

We automatically cover you for over 40 existing medical conditions. 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 section together with the General exclusions, as these may affect your cover.
 

Allergies  

You follow advice in accordance with your medical practitioner (such as to carry epipens, antihistamines/other preventative medication at all times) and, at the date you buy your policy, you: 

  • have no other known or underlying respiratory conditions or diseases (for example, Asthma); and
  • have not required treatment from a medical practitioner for your allergies in the last six months.
Anaemia (Iron Deficiency) 

No criteria apply. 

Asthma     

At the date you buy your policy, you: 

  • are under 60 years of age; 
  • have no other known or underlying respiratory conditions (including Sleep Apnoea);
  • haven’t required cortisone medication, except taken by inhaler or puffer; and
  • haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.

Bell’s Palsy 

No criteria apply. 

Benign Positional Vertigo     

At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient. 

Bunions     

At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned. 

Carpal Tunnel Syndrome     

At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned. 

Cataracts     

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned. 

Coeliac Disease     

At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient. 

Congenital Blindness 

No criteria apply. 

Congenital Deafness 

No criteria apply. 

Diabetes Mellitus (Types I and II) 

At the date you buy your policy, you: 

  • were diagnosed more than six months ago; 
  • haven’t had any complications in the last six months; 
  • have no eye, kidney, nerve or vascular complications;
  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and 
  • have no known cardiovascular/ coronary heart disease. 

Dry Eye Syndrome 

No criteria apply. 

Ear Grommets     

At the date you buy your policy, you have no current ear infection. 

Epilepsy  

At the date you buy your policy, you: 

  • no underlying medical conditions (for example, previous head trauma, stroke); 
  • not changed your medication regime for Epilepsy in the last 12 months; and 
  • not required hospitalisation for Epilepsy in the last two years, including as an outpatient. 

Folate Deficiency 

No criteria apply. 

Gastric Reflux     

Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer). 

Glaucoma     

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in the last three months, and have no surgery planned. 

Goitre     

The underlying medical cause excludes tumour. 

Grave’s Disease     

At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months. 

Hashimoto’s Disease     

The underlying medical cause excludes tumour. 

Hiatus Hernia     

At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned. 

Hypercholesterolemia/Hyperlipidaemia (High Cholesterol / High Lipids) 

At the date you buy your policy, you have no cardiovascular/coronary heart disease. 

Hypertension (High Blood Pressure) 

At the date you buy your policy, you: 

  • you have no known cardiovascular/coronary heart disease; and 
  • your current blood pressure reading is lower than 165/95. 

Hypothyroidism (underactive thyroid) 

The underlying medical cause excludes tumour. 

Hyperthyroidism (overactive thyroid) 

The underlying medical cause excludes tumour. 

Impaired Glucose Tolerance   

At the date you buy your policy, you: 

  • were diagnosed more than six months ago; 
  • haven’t had any complications in the last six months; 
  • have no eye, kidney, nerve or vascular complications;
  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and 
  • have no known cardiovascular/ coronary heart disease. 

Incontinence     

You have no underlying gastrointestinal or urinary condition. 

Insulin Resistance     

At the date you buy your policy, you: 

  • no known cardiovascular/coronary heart disease; and 
  • not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient

Iron Deficiency 

No criteria apply. 

Macular Degeneration 

No criteria apply. 

Migraine     

You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient. 

Nocturnal Cramps 

No criteria apply. 

Osteoporosis/Osteopenia     

At the date you buy your policy, you: 

  • haven’t had any fractures; 
  • don’t require more than one medication for this condition; and 
  • have no other conditions involving the neck or back. 

Pernicious Anaemia 

No criteria apply. 

Plantar Fasciitis     

At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned. 

Raynaud’s Disease     

At the date you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s Disease in the last six months. 

Sleep Apnoea     

At the date you buy your policy, you: 

  • have no other known or underlying respiratory conditions (including Asthma); and 
  • haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient. 

Solar Keratosis     

Your condition has been confirmed as benign. 

Trigeminal Neuralgia     

You haven’t required treatment by a medical practitioner for Trigeminal Neuralgia in six months prior to buying your policy. 

Trigger Finger     

At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned. 

Vitamin B12 Deficiency 

No criteria apply.

Changes in your health before travelling

If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner for written confirmation that you’re fit to travel. If you don’t get your medical practitioner’s written confirmation before you travel, and you were unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.

Don’t forget, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition. If you forgot to tell us about this when you bought your policy, contact us as soon as possible.