We do cover many pre-existing medical conditions. You can see the full list below. Conditions do apply, so please read the PDS carefully for full details.
We will cover you automatically for a pre-existing condition listed below, as long as you have not been hospitalised for the condition within the last two years.
- 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 policy purchase
- Bell’s palsy
- benign positional vertigo
- bunions
- carpal tunnel syndrome
- cataracts
- coeliac disease
- congenital blindness
- congenital deafness
- *diabetes mellitus (type I) – providing you:
– were diagnosed over 12 months ago; and
– have no eye, kidney, nerve or vascular complications
and
– do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia; and
– are under 50 years of age at the date of policy purchase. - *diabetes mellitus (type II) – providing you:
– were diagnosed over 12 months ago; and
– have no eye, kidney, nerve or vascular complications
and
– do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia. - dry eye syndrome
- epilepsy – providing there has been no change to your medication regime in the past 12 months
- folate deficiency
- gastric reflux
- goitre
- glaucoma
- graves’ disease
- hiatus hernia
- *hypercholesterolaemia (high cholesterol) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
- *hyperlipidaemia (high blood lipids) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
- *hypertension (high blood pressure) – provided you do not also suffer from a known cardiovascular disease and/ or diabetes
- hypothyroidism, including Hashimoto’s disease
- impaired glucose tolerance
- incontinence
- insulin resistance
- iron deficiency anaemia
- macular degeneration
- Meniere’s disease
- migraine
- nocturnal cramps
- osteopaenia
- osteoporosis
- pernicious anaemia
- plantar fasciitis
- Raynaud’s disease
- sleep apnoea
- solar keratosis
- trigeminal neuralgia
- trigger finger
- vitamin b12 deficiency
* 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.
Please note that for insurance purposes, Pregnancy is viewed as a pre-existing medical condition. See more here.