Pre-Existing Medical Conditions - Travel Insurance

Please read this section carefully.

This travel insurance only provides cover for emergency overseas medical events that are unforeseen. Cover is not provided for pre-existing medical conditions except for those described in the section headed PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY).

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.

Pre-existing medical condition is defined in the section headed Words with Special Meanings (pages 4 to 6).

Blood Thinning Prescription Medication:

Please note: We will not pay any claims arising from, related to or associated with you taking a blood-thinning prescription medication such as Warfarin or similar, except under sections 2.1.a] and 2.1.b].

Pre-Existing Medical Conditions that are covered (some restrictions apply)

This section outlines the pre-existing medical conditions which are covered.

You have cover if your pre-existing medical condition is listed below, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the date of issue.

1. acne;

2. asthma, provided that you:

    • have no other lung disease, and

    • are less than 60 years of age at the date of policy purchase;

3.  Bell’s palsy;

4. benign positional vertigo;

5. bunions;

6. carpal tunnel syndrome;

7. cataracts;

8. congenital blindness;

9. congenital deafness;

10. *diabetes mellitus (type 1), providing you:

   •  were first 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 date of policy issue;

11. *diabetes mellitus (type 2), providing you:

   • were first 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;

12. dry eye syndrome;

13. eczema;

14. epilepsy - provided there has been no change to your medication regime in the past 12 months;

15. folate deficiency;

16. gastric reflux;

17. goitre;

18. glaucoma;

19. Graves disease;

20. hay fever, rhinitis;

21. hiatus hernia;

22. *hypercholesterolaemia (high cholesterol) provided you do not also suffer from cardiovascular disease and/or diabetes;

23. *hyperlipidaemia (high blood lipids) provided you do not also suffer from cardiovascular disease and/or diabetes;

24. *hypertension (high blood pressure) provided you do not also suffer from cardiovascular disease and/or diabetes;

25. hypothyroidism, including Hashimoto’s disease;

26. impaired glucose tolerance;

27. incontinence;

28. insulin resistance;

29. iron deficiency anaemia;

30. macular degeneration;

31. Meniere’s disease;

32. migraine;

33. nocturnal cramps;

34. non-allergenic food intolerance, coeliac disease;

35. pernicious anaemia;

36. plantar facitis;

37. pregnancy up to and including the 23rd week provided it is single and without complications**;

38. Raynauds disease;

39. sinusitis;

40. sleep apnoea; 

41. solar keratosis;

42. trigeminal neuralgia;

43. trigger finger; or

44. vitamin B12 deficiency,

* Diabetes (type I and type 2) , 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.

** Complications means “any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

If your condition is not described in the above list or is not a single pregnancy without complications** or is a condition:

•  for which you have been hospitalised (including day surgery or emergency department attendance) in the 24 months prior to the time of this policy being issued; or

•  was for surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital at any time prior to this policy being issued, we will not pay any claims arising from, related to or associated with that condition except under sections 2.1 a] and 2.1 b].

This means that we will not pay:

•  your medical expenses whatsoever;

•  your evacuation or repatriation to Australia;

•  your journey cancellation or rearrangement costs; or

•  any additional or out of pocket expenses (including additional travel and accommodation expenses).

 
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    
Emailaustralia@duinsure.com    
Fax – 1800 359 991    

Downunder Insurance Services Limited ABN 59 094 140 655 AFS License No 281478 arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFS License No 245631 trading as Allianz Global Assistance. This insurance is issued and managed by Allianz Global Assistance on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License No 234708. Terms, conditions and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. You should consider the Product Disclosure Statement available on this website before making any decisions about this product. If you purchase a policy, Downunder Insurance Services Limited receives a commission which is a percentage of your premium — ask us for more information before we provide you with any services on this product.

© 2017 Downunder Insurance.