Travel Alerts: Lombok, Indonesia

 

pre-existing medical conditions 

 

Under 30s Travel Insurance policies provide automatic coverage for 34 pre-existing medical conditions. A pre-existing condition refers to: 

A pre-existing medical condition is:

  • any medical or physical condition, defect, disease or illness including any mental illness, of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days before the certificate of insurance was issued; or
  • any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the issue of the certificate of insurance; or
  • any surgery which you have undergone in the past 12 months; or
  • pregnancy
  • any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed.

This above definition applies to you, your travelling companion, a relative or any other person.

You have cover if your Pre-existing Medical Condition is described below provided the condition has been stable for more than 12 months, there is no planned surgery, treatment or specialist review, you have not attended hospital for treatment for that condition in the past 12 months. Please note that we cannot provide cover for any other conditions. If you would like to discuss this further please call 1300 882 113.

 

  • Acne
  • Allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever
  • Asthma – providing that you have no other lung disease and are less than 60 years of age at the date of issue of the certificate of insurance.
  • Bell’s palsy
  • Benign positional vertigo
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease (gluten intolerance)
  • Congenital blindness
  • Congenital deafness
  • Dry eye syndrome
  • Diabetes mellitus (Type I & Type II) – providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications, do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and are under 50 years of age at the date of policy issue 
  • Epilepsy – providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
  • Folate deficiency

 

  • Gastric reflux (heartburn, indigestion)
  • Goitre
  • Glaucoma (increased ocular pressure)
  • Graves’ disease (underactive thyroid)
  • Hiatus hernia
  • Hypercholesterolaemia (high cholesterol) and 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)
  • Incontinence
  • Insulin resistance
  • Nocturnal cramps
  • Osteopaenia 
  • Pernicious anaemia
  • Raynaud’s disease
  • Sleep apnoea
  • Trigeminal neuralgia
  • Trigger finger
  • Vitamin B12 deficiency

 

*please refer to PDS for full terms and conditions. 

 

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