Automatically Covered Medical Conditions

For information relating to policies purchased prior to 7 December 2017, please check the PDS provided with your purchase. You can contact us if you need this sent to you again; the policy wording effective 24 November 2016 can be read online [here].

For policies purchased from 7 December 2017:

 

Automatically covered conditions

 
The following are the 43 existing medical conditions covered as standard for events that unexpectedly arise from that condition, provided you satisfy all criteria listed:
 
  • Acne - You haven’t received treatment for your Acne from a medical practitioner in the three months prior to buying your policy.
 
  • Allergies - You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/other preventative medication at all times) and, at the date you buy your policy, you:
    • have no other known or underlying respiratory conditions or diseases (for example, Asthma); and
    • have not required treatment from a medical practitioner for your allergies in the last six months.
 
  • Anaemia (Iron Deficiency) - No criteria apply
 
  • Asthma - At the date you buy your policy, you:
    • are under 60 years of age;
    • have no other known or underlying respiratory conditions (including Sleep Apnoea);
    • haven’t required cortisone medication, except taken by inhaler or puffer; and
    • haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.
 
  • Bell’s Palsy - No criteria apply
 
  • Benign Positional Vertigo - At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient
 
  • Bunions -  At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned.
 
  • Carpal Tunnel Syndrome - At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned.
 
  • Cataracts - At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned.
 
  • Coeliac Disease - At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient.
 
  • Congenital Blindness - No criteria apply
 
  • Congenital Deafness - No criteria apply
 
  • Diabetes Mellitus (Types I and II) - At the date you buy your policy, you:
    • were diagnosed more than six months ago;
    • haven’t had any complications in the last six months;
    • have no eye, kidney, nerve or vascular complications;
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • have no known cardiovascular/coronary heart disease.
 
  • Dry Eye Syndrome - No criteria apply
 
  • Ear Grommets - At the date you buy your policy, you have no current ear infection.
 
  • Epilepsy - At the date you buy your policy, you have:
    • no underlying medical conditions (for example, previous head trauma, stroke);
    • not changed your medication regime for Epilepsy in the last 12 months; and
    • not required hospitalisation for Epilepsy in the last two years, including as an outpatient.
 
  • Folate Deficiency - No criteria apply
 
  • Gastric Reflux Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).
 
  • Glaucoma - At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in the last three months, and have no surgery planned.
 
  • Goitre -  The underlying medical cause excludes tumour.
 
  • Grave’s Disease - At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months.
 
  • Hashimoto’s Disease - The underlying medical cause excludes tumour.
 
  • Hiatus Hernia - At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.
 
  • Hypercholesterolemia/Hyperlipidaemia(High Cholesterol / High Lipids) - Provided you have no cardiovascular/coronary heart disease.
 
  • Hypertension (High Blood Pressure) - Provided at the date you buy your policy:
    • you have no known cardiovascular/coronary heart disease; and
    • your current blood pressure reading is lower than 165/95.
 
  • Hyperthyroidism (overactive thyroid) - The underlying medical cause excludes tumour.
 
  • Hypothyroidism (underactive thyroid) - The underlying medical cause excludes tumour.
 
  • Impaired Glucose Tolerance At the date you buy your policy, you:
    • were diagnosed more than six months ago;
    • haven’t had any complications in the last six months;
    •  have no eye, kidney, nerve or vascular complications;
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and have no known cardiovascular/coronary heart disease.
 
  • Incontinence -  You have no underlying gastrointestinal or urinary condition.
 
  • Insulin Resistance At the date you buy your policy, you have:
    • no known cardiovascular/coronary heart disease; and
    • not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient.
 
  • Iron Deficiency - No criteria apply
 
  • Macular Degeneration - No criteria apply
 
  • Migraine - You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient
 
  • Nocturnal Cramps - No criteria apply
 
  • Osteoporosis/ Osteopenia At the date you buy your policy, you:
    • haven’t had any fractures;
    • don’t require more than one medication for this condition; and
    • have no other conditions involving the neck or back.
 
  • Pernicious Anaemia - No criteria apply
 
  • Plantar Fasciitis -  At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned.
 
  • Raynaud’s Disease At the date you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s Disease in the last six months.
 
  • Sleep Apnoea - At the date you buy your policy, you:
    • have no other known or underlying respiratory conditions (including Asthma); and
    • haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient.
 
  • Solar Keratosis Your condition has been confirmed as benign.
 
  • Trigeminal Neuralgia You haven’t required treatment by a medical practitioner for Trigeminal Neuralgia in six months prior to buying your policy.
 
  • Trigger Finger At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned.
 
  • Vitamin B12 Deficiency - No criteria apply
 

My condition is not in this list

If you have an existing medical condition that’s not listed above as an automatically accepted condition, or you don’t satisfy all criteria for any listed condition, then you can still buy a policy but you won’t be covered for any claim that arises in relation to the existing medical condition.
 
If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner for written confirmation that you’re fit to travel. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises either directly or indirectly from that condition if you still travel.
 
Don’t forget, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition.
 
If you need additional cover for your condition, there are additional options for medical cover; you are welcome to contact nib Travel Insurance who offer a screening. Assessment of your existing medical condition is available online during the quote process or over the phone. You may ring 1300 410 272 to be assessed; just have details of your medical history ready when you call.
 
Full policy terms, conditions, limitations and exclusions are available in the PDS.
This article was written by Travel Insurance Direct.

This article was written by Travel Insurance Direct.
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