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:
- An ongoing medical or dental condition of which you are aware, or related complications you have, or the symptoms of which you are aware;
- 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;
- Any condition for which you take prescribed medicine;
- Any condition for which you have had surgery;
- Any condition for which you see a medical specialist; or
- Pregnancy.
This definition applies to you, your Travelling Party, 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:
| Acne |
Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever |
| Asthma - providing that you a.) have no other lung disease and b.) 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 or Congenital Deafness |
|
*Diabetes Mellitus (Type I) - providing you:
a.) were diagnosed over 12 months ago and
b.) have no eye, kidney, nerve or vascular complications and
c.) do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia and
d.) are under 50 years of age at the date of policy purchase
|
*Diabetes Mellitus (Type II) - providing you:
a.) were diagnosed over 12 months ago and
b.) have no eye, kidney, nerve or vascular complications and
c.) 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 |
| Grave's 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 Fascilitis |
| 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 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
Please print and fill out this form
When completed, forms can be faxed or e-mailed to:
If you have any questions regarding Pre-existing Medical Conditions, please contact Mondial Assistance on 1800 227 771.