Pre-existing Medical Condition: any physical or mental illness, disease, injury, condition, disability, or symptom – whether diagnosed or not – that existed at or before the date of policy purchase.
This includes any condition that:
- is being experienced, treated, investigated (including while awaiting tests, results, specialist review or surgery), or managed with prescribed medication
- has been diagnosed, treated, investigated or required surgery or consultation with a Medical Practitioner
- has caused symptoms that were noticed or felt by the person (even if medical advice wasn’t sought) or
- is ongoing, chronic, recurring or has led to complications.
This definition applies to any person whose health may affect the cover under this policy, including any Insured Person, Relative, Travelling Companion or anyone else upon whose health the Trip depends.
For more information on Pre-existing Medical Conditions, click here.