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About Your Application for Pre-existing Medical Cover

About Your Application for Pre-existing Medical Cover

Next Steps

1. Make a list of your Pre-existing Medical Conditions

Make sure you have included all of your pre-existing conditions on your list. If you are unsure of the name of any of your conditions, check with your doctor before you call. As it's easy to miss something, here are some questions to prompt you.

  • Are you taking prescribed medication for any condition(s)? If so, make sure you know the name of the condition(s) that you are taking any prescribed medication for. We need to know the name of the condition rather than the medication in most cases.

  • Have you had any operations? If you have had an operation for anything, you need to know the name of the underlying condition. For example, if you have had a heart by-pass operation, we need to know the name of the heart condition that led to you having the operation.

  • Have you got any pre-existing conditions that are 'under control'? Common examples of this are High Blood Pressure and Diabetes. Even if your pre-existing condition is controlled by medication, diet or some other form of treatment, failure to disclose it may mean that it is not covered under your policy.

2. Make sure you have your SureSave Quote Number with you.

3. Call SureSave for a Medical Assessment, Monday-Friday 9.00am-7pm (AEST) on 1300 763 872.

As you are seeking insurance cover for pre-existing medical condition(s), SureSave needs to undertake a thorough assessment of your health. This assessment will allow us to determine whether your condition(s) can be insured, and if so what terms, conditions and limitations (if any) may apply and the amount of any additional premium to be paid.

How does the Assessment work?

On average it takes less than 10 minutes to complete an assessment. During the assessment we need to ask you a series of simple questions about your pre-existing medical condition(s) and your general health. The good news is that you will not require any doctors' certificates, but you will need to be familiar with your health issues.

Your Duty of Disclosure

You have a duty of disclosure to answer the specific questions we ask truthfully, so that we can decide whether cover can be offered and any special terms that may apply. Failure to answer our questions in this way may result in your conditions not being covered or any claim that you make under this policy being reduced or where the non-disclosure is serious the policy being voided. You do not need to tell us everything which we could be expected to know or is not relevant to the cover which you are requesting.