What is a pre-existing medical condition?

A pre-existing medical condition is:

  • pregnancy
  • a medical condition where you are aware of the symptoms, or a related complication you know about
  • a medical or dental condition where you have received, or are waiting for, medical treatment
  • any condition for which you take prescribed medicine
  • any condition for which you have received surgery or attended hospital
  • any condition for which you have received, or are waiting for, tests, investigations or consultation with a medical specialist
  • any condition for which you have received or been advised to attend a follow-up consultation; or
  • any chronic or ongoing medical condition or terminal illness

This definition applies to you, your travelling companion, a close relative, or any other person.

See the full list of automatically covered pre-existing medical conditions here

If your condition is not included, don't worry - we offer extra insurance for many conditions. Learn more here.

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