Pre-existing Medical Conditions - Travel Insurance

Please read this section carefully.

Travel Insurance only provides cover for emergency Overseas medical events that are unforeseen.  Medical conditions that were pre-existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover.

If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition.  This means that you may have to pay for an Overseas medical emergency and any associated costs, which can be prohibitive in some countries.

What is a Pre-existing Medical Condition?

A Pre-existing Medical Condition means:

  1. An ongoing medical or dental condition of which you are aware, or related complications you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist; or
  6. Pregnancy.

This definition applies to you, your Companion, a Relative or any other person.

If you have a Pre-existing Medical Condition and you want cover for that condition, read the following information. If you have questions regarding Pre-existing Medical Conditions, please contact us on 1800 227 771.

Pre-existing Medical Conditions which are automatically covered - no additional premium is payable.

You are automatically covered if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency attendance) for that condition in the past 24 months.

We do not require any further information or a Medical Declaration Form if your condition is described in this list, and has not caused hospitalisation in the past 24 months:

  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever

     

  3. Asthma - providing that you
    1. have no other lung disease and
    2. are less than 60 years of age at the date of policy purchase
  4. Bell's Palsy
  5. Benign Positional Vertigo
  6. Bunions
  7. Carpal Tunnel Syndrome
  8. Cataracts
  9. Coeliac Disease
  10. Congenital Blindness
  11. Congenital Deafness
  12. *Diabetes Mellitus (Type I) - providing you:
    1. were diagnosed over 12 months ago and
    2. have no eye, kidney, nerve or vascular complications and
    3. do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia and
    4. are under 50 years of age at the date of policy purchase
  13. *Diabetes Mellitus (Type II) - providing you:
    1. were diagnosed over 12 months ago and
    2. have no eye, kidney, nerve or vascular complications and
    3. do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia
  14. Dry Eye Syndrome
  15. Epilepsy - providing there has been no change to your medication regime in the past 12 months
  1. Folate Deficiency
  2. Gastric Reflux
  3. Goitre
  4. Glaucoma
  5. Grave's Disease
  6. Hiatus Hernia
  7. *Hypercholesterolaemia (High Cholesterol) - provided you do not also suffer from a known cardiovascular disease and/or diabetes
  8. *Hyperlipidaemia (High Blood Lipids) - provided you do not also suffer from a known cardiovascular disease and/or diabetes
  9. *Hypertension (High Blood Pressure) - Provided you do not also suffer from a known cardiovascular disease and/or diabetes
  10. Hypothyroidism, including Hashimoto's Disease
  11. Impaired Glucose Tolerance
  12. Incontinence
  13. Insulin Resistance
  14. Iron Deficiency Anaemia
  15. Macular Degeneration
  16. Meniere's Disease
  17. Migraine
  18. Nocturnal cramps
  19. Osteopaenia
  20. Osteoporosis
  21. Pernicious Anaemia
  22. Plantar Fascilitis
  23. Raynaud's Disease
  24. Sleep Apnoea
  25. Solar Keratosis
  26. Trigeminal Neuralgia
  27. Trigger Finger
  28. Vitamin B12 Deficiency

*Diabetes (Type I and Type II ), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardovascular disease. If you have a history of cardiovascular disease, and it is excluded under your policy, cover for these conditions is also excluded.

If hospitalisation has occurred, or your condition does not meet the description above, cover is not automatic. You are required to submit a completed Medical Declaration Form.

Pre-existing Medical Conditions Application Form Completion

If aged 80 years or under please print and fill out this form

If aged 81 years or over please print and fill out this form

When completed, forms can be faxed or e-mailed to:

Fax:

1800 359 991

Or e-mail to:

australia@duinsure.com

 

 

If you have any questions regarding Pre-existing Medical Conditions, please contact AGA on 1800 227 771.

 
New Zealand
5 days from
$31
Sth America
7 days from
$54
Europe
3 mths from
$210
Bali
15 days from
$46
 
 
Downunder Insurance Australia
Opening Hours – 8am to 5pm (EST) Monday – Friday     Phone – 1800 148 766     Email – australia@duinsure.com     Fax – 1800 359 991    

Downunder Insurance Services Limited ABN 59 094 140 655 AFS Licence No 281478. This insurance is managed by Allianz Global Assistance, a trading name of AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFS Licence No 245631 and issued and underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No 234708. You should consider the Product Disclosure Statement available on this website before making any decisions about this product.

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