Existing medical conditions

Find out how we cover existing medical conditions.

How we cover existing medical conditions

We don’t automatically provide cover for all existing medical conditions under this policy. This section explains how we cover existing medical conditions.

There are some existing medical conditions that we will automatically cover you for providing you satisfy certain criteria. We explain these and the criteria that apply (if any) under Automatically Covered Conditions

If your existing medical conditions are not covered as an Automatically Covered Condition, you will not be covered for any claim arising from your existing medical conditions under any section of this policy. You will, however, continue to be covered under this policy for other medical events not related to your existing medical conditions.

Under this policy, we define an existing medical condition as:

1. Any sickness including mental health condition, injury or disability which in the one-year period before the Policy Issue Date:

(a) You were aware of or a reasonable person in the circumstances could be expected to be aware of; and

(b) Such condition:

(i) manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;

(ii) required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or

(iii) was treated by a medical practitioner or treatment had been recommended by a medical practitioner.

2. Any congenital, chronic or ongoing condition which you are aware of, or a reasonable person in the circumstances could be expected to be aware of, before the Policy Issue Date.

We will not provide cover under any section of this policy for any claim arising directly or indirectly out of, based upon or associated with any existing medical condition, unless your existing medical condition is covered under Automatically Covered Conditions below.

Automatically covered conditions

There are some existing medical conditions that we will cover you for automatically provided you satisfy certain criteria. These include over 40 common conditions suffered by New Zealanders.

The Automatically Covered Conditions and the criteria that apply are listed below. If you satisfy these criteria, we will automatically cover you for that existing medical condition. There is nothing else you need to do to activate this cover (for example, listing the condition on your Certificate of Insurance or supplying us with a copy of your medical records).

Acne	Haemorrhoids
Allergies Providing you’re not required to carry an epi-pen and you have not had to go to hospital in the last 12 months	Hashimoto’s Disease Providing the underlying medical cause is not a tumour
Asthma Providing you’ve not had any attacks requiring hospitalisation or medical treatment other than regular inhalers in the last 12 months	Hay Fever
Bell’s Palsy	Hiatus Hernia
Benign Positional Vertigo Providing you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient	Hip/Knee Replacements Providing they were performed more than 12 months ago and there are no ongoing treatments or residual problems
Bunions	Hyperthyroidism/Overactive Thyroid Providing the underlying medical cause is not a tumour
Broken/Fractured Bones Providing these are completely healed with no ongoing treatment or residual problems	Hypothyroidism
Carpal Tunnel Syndrome	Incontinence Providing you have no underlying gastrointestinal or urinary condition
Cataracts	Insomnia
Childhood Bronchiolitis Providing you haven’t required hospitalisation in the last 12 months	Ligament Injury Provided these are completely healed with no ongoing treatment or residual problems
Congenital Blindness	Macular Degeneration
Congenital Deafness	Menopause/HRT
Dermatitis	Plantar Fasciitis
Dry Eye Syndrome	Raynaud’s Disease
Eczema	Restless Leg Syndrome
Essential Tremor	Sinusitis Providing this is fully resolved and no further follow up
Gastric Reflux	Solar Keratosis Providing your condition has been confirmed as benign
Glaucoma	Tinnitus
Goitre Providing your condition has been confirmed as benign and the underlying medical cause is not a tumour	Trigger Finger
Gout	Varicose Veins
Graves’ Disease Providing you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months

List of existing medical condition for medical screening

Qantas Travel Insurance is underwritten by AIG Insurance New Zealand Limited (“AIG”). Qantas Airways Limited (“Qantas”) is a distributor of AIG and does not provide any financial advice, but may provide information relating to your Qantas booking to AIG. Consider the Policy Wording and your personal circumstances before you buy.