This Overseas Travel Insurance excludes pre-existing medical conditions unless you apply for cover before you depart. There are some conditions which we automatically cover and we've set these out below.
- Acne—If you have not required treatment by a medical practitioner in the last 3 months.
- Allergies—If the condition has not required treatment by a medical practitioner in the last 9 months and you have no known respiratory conditions eg, Asthma.
- Asthma—If no exacerbation requiring treatment by a medical practitioner in the last 12 months.
- Cataracts/Glaucoma—If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last 2 monts.
- Coeliac Disease—If the condition has not required treatment by a medical practitioner in the last 6 months.
- Diabetes/Glucose Intolerance—If you were diagnosed over 12 months ago and have not had any complications in the last 12 months. You must also have a Blood Sugar Level reading between 4 and 12 or a HbA1C score of 9% or less. You must also not currently be undergoing treatment for kidney, eye or nerve complications.
- Ear Grommets—With no current infection.
- Epilepsy—If there are no underlying medical conditions (eg, previous head trauma, stroke) and you have not required treatment by a medical practitioner for a seizure in the last 2 years.
- Gastric Reflux—If the condition does not relate to another underlying diagnosis (eg, Hernia/Gastric Ulcer).
- Gout—If the gout has remained stable for the last 9 months.
- Hiatus Hernia—If no surgery is planned.
- Hip/Knee Replacement—If performed more than 9 months ago and less than 10 years ago.
- Hypertension (High Blood Pressure)—If you have no known heart conditions and your current blood pressure reading is lower than 165/95.
Applying for pre-existing medical condition
Applications for pre-existing medical conditions is siple and can be made online, click here or call 1800 091 710.
Whilst ad administration fee applies ($45 for online applications or $75 for applications made over the phone) this is only charged if we agree to cover all or part of your pre-existing medical condition(s).