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 —
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they are not associated with any Medical Conditions you list as part of the medical assessment process; and
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You have not been hospitalised (including day surgery or emergency department attendance) for that condition in the past 24 months; and
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specific requirements are met as outlined in the automatically covered conditions list
Please also read the “General Exclusions” section of the Product Disclosure Statement (PDF 1.2MB).
- Acne
- Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
- Asthma providing You:
- have no other lung disease; and
- are less than 60 years of age at the time You purchase the policy
- Bell's Palsy
- Benign Positional Vertigo
- Bunions
- Carpal Tunnel Syndrome
- Cataracts
- Coeliac Disease
- Congenital Blindness
- Congenital Deafness
- Diabetes Mellitus (Type I) providing You:
- were diagnosed over 12 months ago; and
- have no eye, kidney, nerve or vascular complications; and
- do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
- are under 50 years of age at the date of policy purchase
- Diabetes Mellitus (Type II) providing You:
- were diagnosed over 12 months ago; and
- have no eye, kidney, nerve or vascular complications; and
- do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
- are under 50 years of age at the date of policy purchase
- Dry Eye Syndrome
- Epilepsy providing:
- there has been no change to Your medication regime in the past 12 months; and
- You are on no more than one anticonvulsant medication
- Gastric reflux
- Gastric/Peptic ulcer
- Glaucoma
- Gout
- Graves' Disease
- Hiatus Hernia
- Hip/Knee replacement if performed more than 12 months ago but less than 10 years ago
- Hypercholesterolemia (High Cholesterol) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
- Hyperlipidemia (High Blood Lipids) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
- Hypertension (High Blood Pressure) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
- Hypothyroidism, including Hashimoto’s Disease
- Incontinence
- Insulin Resistance
- Macular Degeneration
- Meniere's Disease
- Migraine
- Nocturnal cramps
- Plantar Fasciitis
- Raynaud's Disease
- Sleep Apnoea
- Solar Keratosis
- Trigeminal Neuralgia
- Trigger Finger
Please note if your condition does not meet the free conditions criteria you must complete a medical assessment to have cover.