Medical Assessment Teams are the only authorised representatives to give information on a medical conditions.
If the information below is not detailed enough please contact the following for further help
Aussietravelcover OR CHI Travel insurance use MONDIAL ASSISTANCE 1800 227 771
SURESAVE use Cerberus Special Risk 1300 619 953
Please refer to the Product Disclosure Statement (PDS) or Medical Declaration forms for FULL and COMPLETE details,
this is a quick reference list only
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 Department attendance) for that condition in the past 24 months.
1. Acne
2. Allergies limited to Rhinitis, Chronic Sinusitis,
Eczema, Food Intolerance, Hay Fever
3. 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.
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:
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,
13. 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
14. Dry eye syndrome
15. Epilepsy - providing there has been no change to your medication regime in the past 12 months
16. Folate Deficiency
17. Gastric Reflux
18. Goitre
19. Glaucoma
20. Graves’ Disease
21. Hiatus Hernia
22. Hypercholesterolaemia (High Cholesterol)* - provided you do not also suffer from a known cardiovascular disease and/or diabetes
23. Hyperlipidaemia (High Blood Lipids)* - provided you do not also suffer from a known cardiovascular disease and/or diabetes
24. Hypertension (High Blood Pressure)* - provided you do not also suffer from a known 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. Osteopaenia
35. Osteoporosis
36. Pernicious Anaemia
37. Plantar fasciitis
38. Raynaud’s Disease
39. Sleep apnoea
40. Solar keratosis
41. Trigeminal Neuralgia
42. Trigger finger
43. Vitamin B12 Deficiency
Group 1 - Pre-existing Medical Conditions which are automatically excluded
1. Any type of cancer that you have previously been diagnosed with, or secondaries from that cancer
2. Any condition for which surgery/treatment/procedure is planned
3. Any condition which arises from signs or symptoms that you are currently aware of, but;
a) You have not yet sought a medical opinion regarding the cause; OR
b) You are currently under investigation to define a diagnosis; OR
c) You are awaiting specialist opinion
4. Any condition for which you have undergone surgery in the past 6 weeks
5. Any condition for which you have ever required spinal or brain surgery
6. Any condition which has caused a seizure in the past 12 months
7. Any chronic or recurring pain (including back pain) requiring regular medication or other ongoing treatment such as physiotherapy or chiropractic treatment
8. Any mental illness as defined by DSM-IV including;
a) Dementia, depression, anxiety, stress or other nervous condition; OR
b) Behavioural diagnoses such as autism; OR
c) A therapeutic or illicit drug or alcohol addiction
9. Any cardiovascular disease (see example) if you have;
a) Experienced angina (chest pain) within the past 6 months; OR
b) Had a stroke or a Transient Ischaemic Attack (TIA) within the past 12 months; OR
c) Been diagnosed with Congestive Heart Failure
10. Any condition for which you have been given a terminal prognosis for any condition with a life expectancy of under 24 months
11. Any respiratory condition (see examples) for which you require home oxygen therapy or you will require oxygen for the Journey
12. Chronic Renal Failure which is treated by haemodialysis or peritoneal dialysis
13. Full-blown AIDS (not an asymptomatic HIV infection)
14. Organ transplantation, previous organ transplantation, or any condition for which you are awaiting organ transplantation.
Travel insurance is available to you, however there is no provision to claim for any of the medical conditions as listed in the above Group 1.
