This policy does not cover all Medical Conditions or all stages of pregnancy. Please read the information below to understand what is covered. If You are unsure, need clarification or wish to ask specific questions, then please call Us.
Once You purchase or amend Your policy, any specific conditions You have listed and We have offered cover for which You have accepted by paying any applicable premium, will be shown on Your Certificate of Insurance.
Claims directly or indirectly arising from or exacerbated by a Medical Condition are not covered under this policy unless You have listed the Medical Condition and We have offered cover for which You have accepted by paying any applicable premium.
What is a Medical Condition?
“Medical Condition” means:
a) Any physical condition, illness, disease, or complication, reasonably known to You, for which treatment, medication, surgery or advice (including investigation) has been received or prescribed by a medical practitioner, dental or health professional in the 24 months prior to Your purchase of this policy; and/or
b) Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to Your purchase of this policy; and/or
c) any new physical condition, illness, Mental Illness, disease or assessment that becomes reasonably known to You after Your purchase of this policy and prior to Your Trip departure as shown as the Period of Insurance on Your Certificate of Insurance; and/or
d) any change to a current physical condition, illness, Mental Illness, disease or assessment that becomes reasonably known to You after Your purchase of this policy and prior to Your Trip departure as shown as the Period of Insurance on Your Certificate of Insurance; and/or
e) any condition medically documented that involves/ involved Your heart, brain, circulatory system/blood vessels, Your lung or respiratory conditions, any type of cancer, or any Mental Illness, reasonably known to you, for which treatment, medication, surgery or advice has ever been received or prescribed by a medical practitioner or health professional prior to Your purchase of this policy and prior to Your Trip departure as shown as the Period of Insurance on Your Certificate of Insurance
This definition applies to You, Your Travelling Companion, a Relative or any other person.
Cover provided for Medical Conditions
There are three categories of Medical Conditions:
• Medical Conditions We automatically cover;
• Medical Conditions which We cannot cover; and
• Medical Conditions which We need to assess
Medical Conditions We automatically cover
This section outlines the Medical Conditions that are covered.
These are covered automatically with no additional Premium provided:
• they are not associated with any conditions You list as part of the medical screening process; and
• You have not been hospitalised (including day surgery or emergency department attendance) for that condition in the past 24 months
2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
3. Bell’s Palsy
4. Benign Positional Vertigo
6. Carpal Tunnel Syndrome
8. Coeliac Disease
9. Congenital Blindness
10. Congenital Deafness
11. Dry Eye Syndrome
14. Graves’ Disease
16. Insulin Resistance
17. Macular Degeneration
18. Meniere’s Disease
20. Plantar Fasciitis
21. Raynaud’s Disease
22. Solar Keratosis
23. Trigger Finger
Conditions which We cannot cover
Under no circumstances is cover or the purchase of a Policy available for:
• travel booked or undertaken against the advice of any medical practitioner
• conditions (or related conditions) for which You are travelling to seek medical treatment or review
• conditions involving drug or alcohol dependency
Under no circumstances is cover available for:
• any condition or illness for which You are currently awaiting surgery, treatment, investigation or procedures
• any Medical Condition of a Relative, Travelling Companion, or any other person not listed on the Certificate of Insurance.
Conditions which We need to assess
For all other Medical Conditions, You will need to complete an online medical assessment. You can complete this as part of Your travel insurance quote www.racv.com.au/travel or call 13 13 29 for additional assistance.
If You do not complete an online medical assessment as described in this section there is no cover available for any Medical Conditions or related Medical Conditions not declared, unless it is clearly a condition We cover automatically. This means you run the risk of a claim being declined if You choose to not declare Your Medical Conditions.
Please also read the “General Exclusions Applicable to all Sections” beginning on page 59 of RACV Travel Insurance PDS.