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What Does "Pre-Existing Medical Condition" Mean?

pre existing medical condition(s) is:

a) Any medical or physical condition, defect, disease or illness including any mental illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time (explained below); or

b) Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time*; or

c) Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or

d) Any condition for which you have undergone surgery in the past 12 months; or

e) Pregnancy that is not automatically covered by the Pregnancy section of the PDS

f) Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed.

Relevant time
The ‘relevant time’ applies to you, your travelling companion, and a relative or any other person.

a) The relevant time in relation to single trip policies means the time of issue of the policy.

b) The relevant time in relation to Frequent Traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued (whichever occurs last).

Visit our Pre Existing Medical Conditions page for more information.


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All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.