Automatically Covered Medical Conditions

You are automatically covered if your pre-existing medical condition(s) are described below, provided  that you:
  • do not have any other pre-existing medical conditions (other than those listed in conditions 1-43 below) and
  • have not been hospitalised (including day surgery or emergency department attendance) in the past 24 months for any condition.

43 Automatically Covered Medical Conditions covered for free​

  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hayfever
  3. Asthma providing that you are less than 60 years of age at the time of policy purchase and/or have no other lung disease
  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 (Types I and II) – providing you were diagnosed over 12 months ago; 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 for Type I).
  13. Dry Eye Syndrome
  14. Epilepsy provided there has been no change to your medication regime in the past 12 months
  15. Folate Deficiency
  16. Gastric Reflux
  17. Glaucoma
  18. Goitre
  19. Graves’ Disease
  20. Hiatus Hernia
  21. High Cholesterol (Hypercholesterolaemia)  provided you do not also suffer from a known cardiovascular disease and/or diabetes
  22. High Blood Lipids (Hyperlipidaemia) provided you do not also suffer from a known cardiovascular disease and/or diabetes
  23. High Blood Pressure (Hypertension) provided you do not also suffer from a known cardiovascular disease and/or diabetes
  24. Hypothyroidism, including Hashimoto’s Disease
  25. Impaired Glucose Tolerance
  26. Incontinence
  27. Insulin Resistance
  28. Iron Deficiency Anaemia
  29. Macular Degeneration
  30. Meniere’s Disease
  31. Migraine
  32. Nocturnal Cramps
  33. Osteopaenia
  34. Osteoporosis
  35. Pernicious Anaemia
  36. Plantar Fasciitis
  37. Pregnancy: for a single, uncomplicated pregnancy, where your trip ends on or before 26 weeks gestation, which does not arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation.
  38. Raynaud’s Disease
  39. Sleep Apnoea
  40. Solar Keratosis
  41. Trigeminal Neuralgia
  42. Trigger Finger
  43. Vitamin B12 Deficiency

If you claim for a condition that is on the list of Automatically Covered Medical Conditions but it also relates to another condition which we don't cover, the Automatically Covered Medical Condition will also be excluded.

My condition is not in this list

If you have a condition not listed here, you may still be covered by paying an additional premium (available under the The Basics and The Works Plans only).  A quote can be obtained quickly from the website by answering ‘yes’ to the first question on the Terms & Conditions screen - “Do you or anyone on this policy have a Pre-existing Medical Condition?” - and answering the remaining questions in the purchase path according to your circumstances, until you receive your quote.

There are some conditions we don't cover under TID travel insurance, and you will need to seek cover elsewhere for them. You are welcome to contact SureSave who offer a specialist medical screening. Assessment of your pre-existing medical condition takes just one phone call for most people. You may ring 1300 763 872 to be assessed; just have details of your medical history ready when you call.

Full terms, conditions and exclusions are available in the PDS.

This article was written by Travel Insurance Direct.
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