Existing Medical Conditions

When you’re travelling, all you should have on your mind is embarking on exciting adventures. You should not have to worry about if your existing medical condition is covered under your policy. Fortunately, World2Cover automatically covers a wide range of existing medical conditions. Making sure you’re covered for your existing medical condition can be a priority for you, so we’ve made it one of our priorities as well. If you have a condition that is not automatically covered, you must complete a medical assessment to determine if we can provide you with cover for your existing medical condition.

What is considered an existing medical condition?

An Existing Medical Condition means any medical or physical condition, disorder, disease, disability or illness, including any Mental Illness, which at the Relevant Time, were aware of, or a reasonable person in the circumstances could be expected to have been aware of, and at the Relevant Time:

1. is chronic, ongoing, terminal, or has affected or involved one or more of the following:
   1. heart, circulatory system, lungs or respiratory system, brain, kidneys, liver, or cancer;
   2. surgery involving the back, neck, joints, or abdomen; or
2. In the last 12 months had:
   1. presented symptoms which would have caused an ordinarily prudent person to seek medical opinion or treatment;
   2. become exacerbated or complicated; or
   3. been diagnosed, treated or treatment was recommended by a Treating Doctor.

An existing condition is any medical condition you have and know about before you go on your trip. Your cover may be impacted due to an existing medical condition.

What existing medical conditions are covered?

Not all existing medical conditions are covered, however, World2Cover’s policy automatically includes some existing medical conditions, subject to certain criteria. If you want cover for an existing medical condition(s) not automatically included, these must be assessed to determine whether they can be covered

Some Existing Medical Conditions are automatically included, where You, at the Relevant Time:

1. have not required hospitalisation or treatment by any Treating Doctor within the last 12 months (unless a different time-period is specifically listed in the list below) for the Existing Medical Condition;
2. are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Existing Medical Condition; and
3. meet any additional criteria set out in the Existing Medical Conditions we automatically cover listed below.

Some of the existing medical conditions we can cover include allergies (limited to rhinitis, chronic sinusitis, eczema, food intolerance, and hay fever, however this excludes any Anaphylaxis as part of any such condition), cataracts, congenital blindness and deafness, diabetes*, glaucoma, hypertension*, migraines, and sleep apnoea. For a full list of covered conditions, please refer to our product disclosure statements.

*Diabetes Mellitus (Type 1 and Type 2), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors of cardiovascular disease. If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions is also excluded.

Which existing medical conditions are not covered?

We do not cover all Existing Medical Conditions under this policy. If You require cover for an Existing Medical Condition not listed in the ‘Existing Medical Conditions We automatically cover’ section above, You may apply for coverage by completing Our medical assessment and if accepted, pay any additional premium which may be payable for coverage of that Existing Medical Condition, which will be specifically listed on your Certificate of Insurance.

If a disclosed Existing Medical Condition is not accepted, or You chose not to take out cover for that Existing Medical Condition, this will be noted on Your Certificate of Insurance.

Which existing medical conditions need to be assessed?

If You have an Existing Medical Condition that is not automatically covered above and You want cover for this Existing Medical Condition, You will need to complete Our online medical assessment so that We can assess whether:

1. We can cover the Existing Medical Condition – in which case additional Premium may be payable and the Existing Medical Condition will be listed on Your Certificate of Insurance; or
2. We can’t cover the Existing Medical Condition – in which case, the Existing Medical Condition that has not been accepted will be listed on Your Certificate of Insurance.

Is pregnancy an existing medical condition for travel insurance?

Our policies provide cover for pregnancy in limited circumstances.

What is covered

Cover is included automatically up to the end of the 25th week of pregnancy for:

1. Single non-complicated pregnancies;
2. unexpected pregnancy complications; and
3. childbirth which was accelerated by accidental injury in limited circumstances.

Please see further information below.

You will need to apply for cover if at the Relevant Time, You know You are pregnant and are aware of, or a reasonable person in the circumstances could be expected to have been aware of, any of the following:

1. there have been complications with this or a previous pregnancy,
2. You are expecting a multiple pregnancy (such as triplets or twins), or
3. You have an Existing Medical Condition which could have an adverse impact on Your health.

Pregnancy Complications

Pregnancy complications are considered Existing Medical Conditions and need to be disclosed and assessed if You want cover for these conditions whilst on Your Trip. Pregnancy complications include those that occur during pregnancy or may be caused by Existing Medical Conditions that already existed prior to the pregnancy, such as previous high risk of miscarriage, gestational diabetes, hyperemesis (severe morning sickness) or pre-eclampsia. Please refer to the Existing Medical Conditions We need to assess section above.

What is not covered

There is no cover for:

• pregnancy complications occurring from the 26th week of gestation , or as described in the section above (Pregnancy Complications) unless such complications are specifically accepted by Us and noted on Your Certificate of Insurance;
• childbirth at any stage of the pregnancy, other than as a result of an Accident occurring prior to the end of the 25th week of Your pregnancy which causes You to give birth prematurely;
• the health or care of a newborn child, irrespective of the stage of pregnancy when the child is born; or
• regular antenatal care.

We recommend that You contact Your Treating Doctor and obtain written confirmation that You are fit to travel before commencing Your planned Trip. Please see the Changes in Your health section below, which outlines conditions to Our cover.

If You are unsure whether You need to complete a medical assessment for Your pregnancy, please call 02 9225 7599 for additional assistance.

Please refer to ‘General Exclusions’ in the PDS which apply to all sections of cover.

Additional Information

If you find the topic of existing medical conditions to be confusing, please give us a call 02 9225 7599 for additional assistance. At World2Cover, we strive to be a reliable resource for you as you navigate the journey to your destination. Happy travelling!

Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) is the issuer of World2Cover Travel Insurance. The 'World2Cover Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording, is available here. Any financial advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.