Travel Insurance

This section outlines those Medical Conditions automatically included, where You, at the Relevant Time:

• have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time-period is specifically listed in the list below) for the Medical Condition;
• are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition; and
• meet any additional criteria set out in the Medical Conditions we automatically cover list below.

If the criteria above are satisfied, cover is automatically included for the following Medical Conditions: 

1. Acne
2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever, however this excludes any Anaphylaxis as part of any such condition
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 24 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 24 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 24 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 24 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. Hyperlipidaemia (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

If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.

If your condition meets the automatically covered conditions criteria, there is nothing further you need to do in order to be covered for that condition.

If your condition does not meet the automatically covered conditions criteria, and you want cover for this, you must complete a medical assessment to assess whether we can accept this risk and what, if any additional premium is payable by you, to have that condition specified on your policy.

Please also read the “General Exclusions” section of the Product Disclosure Statement.