Cover for pre-existing medical conditions

Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) is the issuer of RACV Travel Insurance. View the RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording. You should consider the PDS in deciding whether to acquire or to continue to hold a policy.

The policy does not cover all medical conditions (Medical Conditions) or all stages of pregnancy. Please read the information below for a summary of what Medical Conditions are covered. Full policy wording on Medical Conditions and the stages of pregnancy which are covered is set out in the PDS. If you are unsure, need clarification or wish to ask specific questions, then please call us on 13 72 28.

Once you purchase or amend your policy, any specific conditions which you have listed and which the insurer, Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) (Insurer) has offered cover for, and 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 the Insurer has offered cover 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 the 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 the 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 the 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

"Mental Illness" means any sickness, disorder or condition recognised or provided for in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders, where a clinical diagnosis has been made and treatment has been prescribed by a medical practitioner or health professional, prior to the trip departure. A clinical diagnosis for Mental Illness can also be made after the trip departure by a medical practitioner or a health professional.

"Relative" means a relative who is your spouse or de facto spouse of either gender, parent, parent-in-law, daughter, son, daughter or son-in-law, brother, sister, brother or sister-in-law, niece or nephew, grandchild, grandparent, step-parent, stepdaughter, stepson, aunt, uncle, cousin, fiancée, fiancé or guardian.

"Travelling Companion" means the person who is to travel with you for at least 50% of the trip and who made arrangements to accompany you before you began the trip. They must arrive and depart with you.

Cover provided for Medical Conditions

 There are three categories of Medical Conditions:

 • Medical Conditions the Insurer automatically covers;

 • Medical Conditions which  the Insurer cannot cover; and

• Medical Conditions which the Insurer needs to assess.

Medical Conditions automatically covered

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

 1. Acne

2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever

3. Bell’s Palsy

4. Benign Positional Vertigo

5. Bunions

6. Carpal Tunnel Syndrome

7. Cataracts

8. Coeliac Disease

9. Congenital Blindness

10. Congenital Deafness

11. Dry Eye Syndrome

12. Glaucoma

13. Gout

14. Graves’ Disease

15. Incontinence

16. Insulin Resistance

17. Macular Degeneration

18. Meniere’s Disease

19. Migraine

20. Plantar Fasciitis

21. Raynaud’s Disease

22. Solar Keratosis

23. Trigger Finger

Conditions which the Insurer 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 the Insurer needs 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' beginning on page 59 of 'RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' (PDS), for general exclusions to cover.

Important things to note

Any financial advice provided by RACV which is set out above, is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the PDS and consider it before making a decision about whether to acquire RACV Travel Insurance.