WHAT IS THE DEFINITION OF A PRE-EXISTING MEDICAL CONDITION?

This policy does not automatically provide cover for all of your Pre-existing Medical Conditions. The term Pre-existing Medical Condition has a special meaning and is defined below.

A Pre-existing Medical Condition (“PE Condition”) means:

(a) An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware; OR
(b) A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor); OR
(c) Any condition for which you take prescribed medicine; OR
(d) Any condition for which you have had surgery; OR
(e) Pregnancy.

NOTE: This definition applies to you, your traveling companion, any relative, or any other person.

How do I obtain cover for my PE Condition/s?

Pre-Existing Medical Conditions are divided into three groups:

• Those listed conditions covered under a standard Plan (Step 1)
• Those conditions that we do not cover in any circumstances (Step 2)
• Those conditions covered that require a Pre-Existing Medical Condition additional premium (Step 3).

If you have a Pre-Existing Medical Condition and you do not purchase the appropriate cover, we will not pay any claim arising from related to or associated with your condition.

This means that you may have to pay for overseas health care in the event of an overseas medical emergency. In some countries, like the USA, these medical costs can be prohibitive.

Step 1

These Pre-Existing Medical Conditions are automatically covered in the standard Plan. You do not need to purchase additional cover for these medical conditions.

1. Acne 2. Allergies – Any of the following: Allergy Chronic Sinusitis Hay Fever Allergic Rhinitis Latex Allergy Anaphylaxis Psoriasis Bee Sting Rhinitis Dermatitis Sinusitis Eczema Urticaria Food Intolerance 3. Asthma – with no other lung disease 4. Benign cysts / polyps – renal, breast, ovarian, colonic 5. Congenital Blindness 6. Congenital Deafness 7. Diabetes Mellitus (Types I and II) –providing you were diagnosed over 12 months ago, have no eye, kidney or nerve complications, and you do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia. 8. Epilepsy / seizure disorder – Where you have had no change to your medication regime and you have not had a seizure in the last 12 months. 9. Gastric Reflux

10. Glaucoma 11. Hiatus Hernia 12. Hypercholesterolaemia (High Cholesterol) – Provided you do not also suffer from a known cardiovascular disease and/or diabetes 13. Hypertension (High Blood Pressure) – Provided you do not also suffer from a known cardiovascular disease and/or diabetes 14. Macular Degeneration 15. Meniere’s disease 16. Menopause 17. Minor surgery over 6 weeks ago, with no complications, and no ongoing treatment: Trans Urethral Resection of the Prostate (TURP), Carpal Tunnel Repair, Ear Grommet Insertion, Cataract Surgery 18. Pre-diabetes - Impaired Glucose Tolerance Insulin Resistance 19. Thyroid deficiency – Hypothyroidism Goitre Hashimoto’s Disease 20. Vitamin deficiency - Iron Deficiency Anaemia Vitamin B12 Deficiency Pernicious Anaemia Folate Deficiency

If you have a Pre-Existing Medical Condition and it is not listed in Step 1, you do not have cover. If you want cover for your medical condition, you need to purchase cover. However, if your medical condition falls within Step 2, we cannot provide cover at all and you cannot purchase cover.

Step 2

If you have any of the following Pre-Existing Medical Conditions, we cannot provide cover for any claim arising from, relating to or associated with these conditions. These medical conditions are Pre-Existing Medical Conditions that are excluded under the General Exclusions section of this policy.

1. Any condition for which you have ever required spinal or brain surgery.

2. Any condition that requires ongoing treatment with immunosuppressant therapy (e.g.: arthritis, colitis, chronic respiratory disease).

3. Cancer

4. Childbirth at any gestation, or the subsequent care of a newborn child.

5. Chronic Renal Failure

6. Chronic pain (including back pain)

7. Cystic fibrosis.

8. Heart failure

9. HIV infection.

10. Joint replacement surgery over 12 years ago.

11. Mental illness of any kind, including dementia, depression, anxiety, stress or other nervous condition, or a therapeutic or illicit drug or alcohol addiction.

12. Pregnancy past the 26th week.

13. You have had, or are on a waiting list for an organ transplant.

14. You have ever had a blood clot previously, and do not take precautions before and during this journey.

We cannot provide cover for any condition which is unstable, poorly defined, or likely to require medical care. For example, you will not be covered for claims relating to a condition:

1. For which surgery/treatment/procedure is planned.

2. For which you require home oxygen therapy, or will require oxygen for the journey.

3. For which you have been given a terminal prognosis with a life expectancy of under 24 months.

4. For which you have any signs/symptoms which are still being investigated, or for which you are awaiting specialist opinion regarding treatment OR for which you are on a waiting list for treatment.

5. Which has caused seizures in the past 12 months.

6. For which you have been hospitalised (including day surgery), or attended the Emergency Department in the last 24 months.

7. For which medical monitoring is continuing (eg AAA, kidney stones).

You will not be covered for any claims relating to the heart/cardiovascular system (including heart attacks and strokes) if you have had any of the following:

1. Aneurysms

2. Angina

3. Cardiomyopathy

4. Cerebrovascular Accident (Stroke)

5. Disturbances in heart rhythm (cardiac arrhythmias)

6. Previous heart surgery (including valve replacements)

7. Myocardial infarction

8. Transient Ischaemic Attack.

Step 3

If your Pre-Existing Medical Condition is not listed in Step 1 or Step 2, you may purchase cover for your medical condition by making an application and paying an additional premium.

You are not covered at all for any claim you make which arises from a Pre-existing Medical Condition suffered by:

• You or a member of your travelling party except as specified under the heading “Pre-existing Medical Conditions Cover” on pages 20 to 23 in our Product Disclosure Statement.
• Any relative, unless that relative is hospitalised or dies in Australia, after the policy is issued and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death. The most we will pay in respect of all claims under all sections of the policy in these circumstances is $2,000 for a Single Plan, $2,000 per person for Duo Plan and $4,000 for a Family Plan.

For more information regarding this travel insurance, please see the Combined Financial Services Guide and Product Disclosure Statement.