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. 


Recommended for you 



Further reading

Cheap travel

Find cheap travel deals

Expert advice on how to find the best deals when booking your next trip. 

Frequent flyers tipsFrequent fliers tips

How to make the most out of your miles and other frequent fliers perks. 

Group travelCheap group travel 

Find out how to save cash when booking a group trip.

Cheap flightsHow to find cheap flights

Our tricks of the trade will help you find the cheapest flights available.


Popular destinations


BaliThe 'Island of the Gods' is a home away from home for many Aussies.

New Zealand

New ZealandNew Zealand is a great place to visit, but it can be dangerous if your not prepared.



Thailand is a land of beauty, but even simple medical situations can become difficult.


Activities we cover