Pre-existing medical conditions

 

We automatically provide cover for 35 pre-existing medical conditions. The pre-existing medical conditions listed in the table below are automatically covered under this policy without assessment or additional charge, provided:

- the condition has been stable for more than 12 months; and

- there is no planned surgery, treatment or specialist review; and

- you have not attended hospital for treatment for the condition in the past 12 months.

- cover does not extend to cover any routine treatment or management of your approved pre-existing medical 
   condition(s); for example, blood test and prescription renewals.

For full details please see the product discosure statement. 
 

Automatically Covered Pre-Existing Conditions*

 

 

  • Graves’ disease
  • Hiatus hernia
  • Hypercholesterolaemia (high cholesterol)
  • Hyperlipidaemia (high blood lipids)  – provided you do not also suffer from a known cardiovascular disease
  • Hypothyroidism (underactive thyroid), including Hashimoto’s disease
  • Hypertension (High Blood Pressure) – provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95
  • Impaired glucose tolerance (glucose intolerance, pre-diabetes), providing you are under 50 years of age at the date of policy issue
  • Incontinence
  • Insulin resistance
  • Menopause – provided you do not have osteoporosis
  • Nocturnal cramps
  • Pernicious anaemia
  • Raynaud’s disease
  • Sleep apnoea
  • Trigeminal neuralgia
  • Trigger finger
  • Vitamin B12 deficiency

 

*Limits and exclusions apply, please read the Product Disclosure Statement for full details. 

 

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