Which Medical Conditions are automatically covered?

Under the policies, the following list of Medical Conditions are automatically covered with no additional premium provided the below criteria are met —

  • they are not associated with any Medical Conditions you list as part of the medical assessment process; and

  • You have not been hospitalised (including day surgery or emergency department attendance) for that condition in the past 24 months; and

  • specific requirements are met as outlined in the automatically covered conditions list

Please also read the “General Exclusions” section of the PDS which can be viewed here.

  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  3. Asthma providing You:
    1. have no other lung disease; and
    2. are less than 60 years of age at the time You purchase the policy
  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:
    1. were diagnosed over 12 months ago; and
    2. have no eye, kidney, nerve or vascular complications; and
    3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
    4. are under 50 years of age at the date of policy purchase
  13. Diabetes Mellitus (Type II) providing You:
    1. were diagnosed over 12 months ago; and
    2. have no eye, kidney, nerve or vascular complications; and
    3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
    4. are under 50 years of age at the date of policy purchase
  14. Dry Eye Syndrome
  15. Epilepsy providing:
    1. there has been no change to Your medication regime in the past 12 months; and
    2. You are on no more than one anticonvulsant medication
  16. Gastric reflux
  17. Gastric/Peptic ulcer
  18. Glaucoma
  19. Gout
  20. Graves' Disease
  21. Hiatus Hernia
  22. Hip/Knee replacement if performed more than 12 months ago but less than 10 years ago
  23. Hypercholesterolemia (High Cholesterol) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
  24. Hyperlipidemia (High Blood Lipids) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
  25. Hypertension (High Blood Pressure) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
  26. Hypothyroidism, including Hashimoto’s Disease
  27. Incontinence
  28. Insulin Resistance
  29. Macular Degeneration
  30. Meniere's Disease
  31. Migraine
  32. Nocturnal cramps
  33. Plantar Fasciitis
  34. Raynaud's Disease
  35. Sleep Apnoea
  36. Solar Keratosis
  37. Trigeminal Neuralgia
  38. Trigger Finger

Please note if your condition does not meet the free conditions criteria you must complete a medical assessment to have cover.

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