Existing medical conditions

We cover several existing medical conditions

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What is an existing medical condition?

An existing medical condition means a disease, illness, medical or dental condition or physical defect that you:

  • Had to go to the hospital (including the emergency department) for or have a day procedure for in the last 12 months
  • Take prescription medication to control or treat
  • See a general practitioner or specialist regularly for
  • Need abdominal, back, joint, or spinal surgery for (and an overnight stay in the hospital).

An existing medical condition also means a disease, illness, medical or dental condition or physical defect is:

  • Medically documented and involving cancer, or your brain, heart, liver, kidneys, or circulatory or respiratory system
  • Medically documented and chronic or ongoing
  • Under investigation
  • Pending diagnosis or test results.

Is my existing condition covered?

We cover several existing medical conditions, including if your condition:

  • Is on this list, and meets any additional criteria outlined in the Product Disclosure Statement (PDS), and you don’t have any other conditions that aren’t on this list
  • Hasn’t needed any medical treatment (including hospitalisation) in the last 12 months
  • Isn’t currently being investigated
  • Doesn’t currently need any investigation, treatment, procedures or surgery.

Existing conditions we cover

Additional criteria applies to most of these medical conditions, so check the PDS for full details.

Acne

Attention Deficit Hyperactivity Disorder (ADHD)

Allergies

Anxiety

Asthma

Bell’s Palsy

Bunions

Carpal Tunnel Syndrome

Cataracts/Glaucoma

Coeliac Disease

Congenital Blindness

Congenital Deafness

Depression

Ear Grommets

Epilepsy

Gastric Reflux

Gout

Goitre

Grave’s Disease

Hiatus Hernia

Hip/knee/shoulder replacement or hip resurfacing

Hypercholesterolaemia (high cholesterol)

Hypertension (high blood pressure)

Migraine

Peptic/Gastric Ulcer

Plantar Fasciitis

Raynaud’s Disease

Skin Cancer

Stenosing Tenosynovitis (Trigger Finger)

Urinary Incontinence

Underactive/Overactive Thyroid

We don't cover any conditions whatsoever if you have medical condition(s) that are showing signs or symptoms and you haven't seen a doctor about, or if you're waiting to have receive a diagnosis or see a specialist about. Examples of signs or symptoms include (but are not limited to) chest pain, shortness of breath, pain or discomfort in any part of your body, persistent cough or unexplained bleeding.

Pregnancy

If you know you’re pregnant

If you know you’re pregnant while getting a quote1, you’ll need to complete the medical assessment section if:

  • You’ve had any complications with this pregnancy or a previous one
  • You’re expecting more than one baby
  • Your pregnancy involved medical assistance (like hormones or IVF).

Pregnancy cover restrictions

Our travel insurance, including pregnancy cover, excludes:

  • Any non-serious, expected pregnancy related issues or complications
  • All things pregnancy related after your 23rd week
  • Childbirth
  • Your newborn’s health (regardless of when your child is born).

You should consider whether this policy is right for you, especially if you’ll be more than 20 weeks pregnant while you travel.

Not included

We don’t cover undiagnosed medical conditions if:

  • You knew (or should have reasonably known) you had a condition but didn’t get a medical opinion
  • Your condition is currently under medical investigation
  • You’re waiting for a specialist opinion.

If you become aware of a condition before you travel, you can complete the health assessment, and we may be able to cover your existing medical condition.

We won't cover any claim relating in any way to your condition if your:

  • Condition is to do with (or made worse) by drug or alcohol dependency
  • Travel is against medical advice.

We also won't cover any claim relating in any way to your condition if you’re travelling to:

  • Get routine or cosmetic medical or dental treatment or surgery
  • Get advice, treatment or review for your condition
  • Participate in a clinical trial for your condition.

Things you should know

  1. An additional premium will apply and additional restrictions may apply to the policy.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD). If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG.