Non-Resident Travel Insurance

Existing Health Disorders

THIS POLICY DOES NOT PROVIDE COVER FOR TRAVELLERS WITH AN EXISTING HEALTH DISORDER

An Existing Health Disorder is:

• 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

• any physical, mental illness or medical condition, 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 30 days prior to the issue of the Certificate of Insurance.

Note:

• 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.
• 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.

There is no cover under this policy if Your Trip is cancelled, cut short or disrupted as a result of the Existing Health Disorder of Your non travelling relative or business partner. There is no cover under this policy for an Existing Health Disorder(s) however, under the VFR, Budget and Backpackers Travel Plans the following conditions are not considered to be an Existing Health Disorder provided the condition(s) are stable and You or anyone else to be covered are not awaiting for treatment, on a hospital waiting list or awaiting results of medical investigation in relation to any of these conditions.

• 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