Is my medical condition covered?

We cover many pre-existing medical conditions. You can see the full list here and below. Conditions do apply, so please read the PDS carefully for full details. 

We will cover you automatically for a pre-existing condition listed below, as long as you have not been hospitalised for the condition within the last two years.

  • acne
  • allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance,
    hay fever
  • asthma – providing that you: have no other lung disease, and are less than 60 years of age at the date of policy purchase
  • Bell’s palsy
  • benign positional vertigo
  • bunions
  • carpal tunnel syndrome
  • cataracts
  • coeliac disease
  • congenital blindness
  • congenital deafness
  • *diabetes mellitus (type I) – providing you:
    -      were diagnosed over 12 months ago; and
    -      have no eye, kidney, nerve or vascular complications
    and
    -      do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia; and
    -      are under 50 years of age at the date of policy purchase.
  • *diabetes mellitus (type II) – providing you:
    -      were diagnosed over 12 months ago; and
    -      have no eye, kidney, nerve or vascular complications
    and
    -      do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia.
  • dry eye syndrome
  • epilepsy – providing there has been no change to your medication regime in the past 12 months
  • folate deficiency
  • gastric reflux
  • goitre
  • glaucoma
  • graves’ disease
  • hiatus hernia
  • *hypercholesterolaemia (high cholesterol) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
  • *hyperlipidaemia (high blood lipids) - provided you do not also suffer from a known cardiovascular disease and/or diabetes
  • *hypertension (high blood pressure) – provided you do not also suffer from a known cardiovascular disease and/ or diabetes
  • hypothyroidism, including Hashimoto’s disease
  • impaired glucose tolerance
  • incontinence
  • insulin resistance
  • iron deficiency anaemia
  • macular degeneration
  • Meniere’s disease
  • migraine
  • nocturnal cramps
  • osteopaenia
  • osteoporosis
  • pernicious anaemia
  • plantar fasciitis
  • Raynaud’s disease
  • sleep apnoea
  • solar keratosis
  • trigeminal neuralgia
  • trigger finger
  • vitamin b12 deficiency

*          Diabetes (type I and type II), hypertension, hypercholesterolaemia and hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a pre-existing medical condition, cover for these conditions is also excluded.

Please note that for insurance purposes, Pregnancy is viewed as a pre-existing medical condition. See more here

If your medical conditions is not listed above, then you have the option of declaring your medical condition and taking out medical conditions cover. You can declare your medical conditions on Step 3 of our website. You will then undergo a pre-screening and screening process. We will let you know if we can offer you pre existing medical condition cover and what the additional cost to cover your pre-existing conditions will be. You can have the option to accept or decline the cover. If you decide to decline the cover, and an incident occurs pre or post your trip related to your pre-existing conditions you will not be covered.

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