Cover for pre-existing medical conditions

What is a Pre-existing Medical Condition?

 “Pre-existing Medical Condition” means:

  1. Any physical defect, condition, illness, disease, or complication of, for which treatment, medication, surgery or advice (including investigation) has been received or prescribed by a medical practitioner, dental or health professional in the 12 months prior to your purchase of this policy; or
  2. any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to your purchase of this policy; or
  3. any physical defect, condition, 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.

This definition applies to you, your travelling Companion, a Relative or any other person. If you are unsure whether you have a Pre-existing Medical Condition, please call 13 13 29 for assistance.

Cover provided for Pre-existing Medical Conditions

There are three categories of medical conditions:

  • conditions we automatically cover;
  • conditions which we cannot cover; and
  • conditions which we need to assess

Conditions we automatically cover

This section outlines the Pre-existing Medical Conditions that are covered. These are covered automatically with no additional Premium provided the below criteria are met:

  • 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 12 months; and
  • specific requirements below are met:
  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  3. Asthma providing you: a) have no other lung disease; and b) are less than 60 years of age at the time you purchased the policy
  4. Bell’s Palsy
  5. Benign Positional Vertigo
  6. Bunions
  7. Carpal Tunnel Syndrome
  8. Cataracts
  9. Coeliac Disease
  10. Congenital Blindness
  11. Congenital Deafness
  12. Diabetes Mellitus (Type I) providing you: a) were diagnosed over 12 months ago; and b) have no eye, kidney, nerve or vascular complications; and c) do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia; and d) are under 50 years of age at the date of policy purchase*
  13. Diabetes Mellitus (Type II) providing you: a) were diagnosed over 12 months ago; and b) have no eye, kidney, nerve or vascular complications; and c) do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia; and d) are under 50 years of age at the date of policy purchase*
  14. Dry Eye Syndrome
  15. Epilepsy providing: a) there has been no change to your medication regime in the past 12 months and b) you are on no more than one anticonvulsant medication
  16. Gastric Reflux
  17. Gastric/Peptic Ulcer
  18. Glaucoma
  19. Gout
  20. Graves’ Disease
  21. Hiatus Hernia
  22. Hip/Knee replacement if performed more than 12 months ago but less than 10 years ago
  23. Hypercholesterolaemia (High Cholesterol) providing you do not also suffer from a known cardiovascular disease and/or Diabetes*
  24. Hyperlipidaemia (High Blood Lipids) providing you do not also suffer from a known cardiovascular disease and/or Diabetes*
  25. Hypertension (High Blood Pressure) providing you do not also suffer from a known cardiovascular disease and/or Diabetes*
  26. Hypothyroidism, including Hashimoto’s Disease
  27. Incontinence
  28. Insulin Resistance
  29. Macular Degeneration
  30. Meniere’s Disease
  31. Migraine
  32. Nocturnal Cramps
  33. Plantar Fasciitis
  34. Raynaud’s Disease
  35. Sleep Apnea
  36. Solar Keratosis
  37. Trigeminal Neuralgia
  38. Trigger Finger

*Diabetes (Type I and Type II), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.

Conditions which we cannot cover

Under no circumstances is cover available for:

  • conditions involving drug or alcohol dependency
  • conditions for which you are travelling to seek medical treatment or review
  • travel booked or undertaken against the advice of any medical practitioner
  • any condition or illness for which you are currently awaiting surgery, treatment, investigation or procedures

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.

Please also read the “General Exclusions Applicable to all Sections” beginning on page 58.

Pregnancy

Our policies provide limited cover for pregnancy. The following restrictions will apply for any person where a claim may arise in any way and is related to pregnancy regardless of whether it has been assessed or not:

  • cover is only provided for unexpected complications before the 26th week; or
  • childbirth before the 26th week which was accelerated by accidental injury

We cover single non-complicated pregnancies automatically. For all other pregnancies, a medical assessment must be completed.

As with all travel insurance it is important that expectant mothers consider if they should travel, seek their doctor’s advice and ensure Our policy provides the coverage they need.

For a full list of automatically covered conditions please refer to the 'Pre-existing Medical Conditions and pregnancy' section of the combined Financial Services Guide and Product Disclosure Statement.