THIS POLICY DOES NOT AUTOMATICALLY PROVIDE COVER FOR TRAVELLERS WITH AN EXISTING HEALTH DISORDER
An Existing Health Disorder is:
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any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the issue of the Certificate of Insurance,
or
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any physical, mental illness or medical condition (including pregnancy), defect, illness or disease of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation has
been received or prescribed by a medical or dental adviser in the 60 days prior to the issue of the Certificate of Insurance
Note:
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Where any condition is the subject of an investigation, that condition falls within this definition, regardless of whether or not a diagnosis of the condition has been made.
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This definition applies to you, your travelling party, your relatives, your business colleague, or any other person you have a relationship with whose state of health could impact your travel plans.
Assessment of Application
If you wish to apply for cover:
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Obtain an assessment application form for Existing Health Disorder from our Distributor or
download it here
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Complete the form and return to our Distributor for assessment and processing
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If required, the medical section must be completed by your usual doctor.
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If your application for cover is granted you will be notified and if applicable, advised of any special terms imposed.
Provided the following existing health disorders are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions cover is provided without application.
- Acne
- Allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy
- Anaemia - including iron deficiency anaemia, B12 deficiency, folate deficiency, pernicious anaemia
- Asthma - not requiring cortisone medication and no hospitalisation for the past 12 months including as an outpatient
- Bell’s palsy
- Benign breast or renal cysts
- Bunions
- Carpal Tunnel syndrome
- Cataracts, dry eye syndrome, glaucoma, macular degeneration
- Coeliac disease
- Colonic polyps
- Congenital blindness/deafness
- Diabetes Mellitus Types 1 and 2 - where you have no known cardiovascular, hypertensive, vascular disease and no related kidney, eye or neuropathy complications
- Epilepsy - you have been seizure free for the past 12 months and do not require more than 1 anti-seizure medication
- Goitre, hypothyroidism, Hashimotos disease, Graves disease
- Gout
- Hiatus hernia/Gastro-oesophageal reflux disease, Peptic ulcer disease
- High Cholesterol (Hypercholesterolaemia)
- High Lipids (Hyperlipidaemia)
- Insulin resistance, impaired glucose tolerance
- Incontinence
- Meniere’s disease, Tinnitus
- Menopause
- Migraines except where you have been hospitalised in the past 12 months
- Nocturnal cramps
- Osteoporosis - whereby there have been no fractures and you do not require more than 1 medication
- Plantar fascitis
- Raynaud’s Disease
- Sleep apnoea
- Stable High Blood Pressure (Hypertension)
- Trigeminal neuralgia
- Trigger finger
- Routine screening tests where no underlying disease has been detected
Acceptance / Authority
We will fairly assess applications but cannot guarantee acceptance.
If cover can be provided we will advise the terms of cover and plan code, together with an Acceptance/Authority Number. Cover of Existing Health Disorder is limited to the approval for the original policy and cannot be extended. If accepted an additional premium listed as follows will apply per approval of Your Existing Health Disorder of
a) $100 per person International Travel Plans
b) $50 on Domestic Travel Plans
Acceptance/Authority Number must appear on the Certificate of Insurance.
