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Automatically Accepted Conditions

Automatically Accepted Conditions

Is your existing medical condition automatically covered?

Over 40 existing medical conditions are automatically covered by our standard policy (unless we specify otherwise in the PDS); these are known as ‘automatically accepted conditions’ and are listed below. Many of these conditions, however, require that you first meet certain eligibility criteria at the time of policy purchase. Please read the details outlined for each condition in the PDS under “Automatically accepted conditions”.

Acne

You haven’t received treatment for your Acne from a medical practitioner in the three months prior to buying your policy.

Allergies

You follow advice in accordance with your medical practitioner (such as to carry epipens, antihistamines/other preventative medication at all times and, at the date you buy your policy, you:

  • have no other known or underlying respiratory conditions or diseases (for example, Asthma); and
  • have not required treatment from a medical practitioner for your allergies in the last six months.

Anaemia (Iron Deficiency)

No criteria apply.

Asthma

At the date you buy your policy, you:

  • are under 60 years of age;
  • have no other known or underlying respiratory conditions (including Sleep Apnoea);
  • haven’t required cortisone medication, except taken by inhaler or puffer; and
  • haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.

Bell's Palsy

No criteria apply.

Benign Positional Vertigo

At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient.

Bunions

At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned.

Carpal Tunnel Syndrome

At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned.

Cataracts

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned.

Coeliac Disease

At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient.

Congenital Blindness

No criteria apply.

Congenital Deafness

No criteria apply.

Diabetes Mellitus (Type I and II)

At the date you buy your policy, you:

  • were diagnosed over six months earlier;
  • haven’t had any complications in the last six months;
  • have no eye, kidney, nerve or vascular complications;
  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
  • have no known cardiovascular/coronary heart disease.

Dry Eye Syndrome

No criteria apply.

Ear Grommets

At the date you buy your policy, you have no current ear infection.

Epilepsy

At the date you buy your policy, you have:

  • no underlying medical conditions (for example, previous head trauma, stroke);
  • not changed your medication regime for Epilepsy in the last 12 months; and
  • not required hospitalisation for Epilepsy in the last two years, including as an outpatient.

Folate Deficiency

No criteria apply.

Gastric Reflux

Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

Glaucoma

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in\ the last three months, and have no surgery planned.

Goitre

The underlying medical cause excludes tumour.

Grave's Disease

At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months.

Hashimoto's Disease

The underlying medical cause excludes tumour.

Hiatus Hernia

At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.

Hypercholesterolemia/ Hyperlipidaemia (High Cholesterol/ High Lipids)

Provided you have no cardiovascular/coronary heart disease.

Hypertension (High Blood Pressure)

Provided at the date you buy your policy:

  • you have no known cardiovascular/coronary heart disease; and
  • your current blood pressure reading is lower than 165/95.

Hypothyroidism (underactive thyroid)

The underlying medical cause excludes tumour. :

Impaired Glucose Tolerance (underactive thyroid)

At the date you buy your policy, you: :

    • were diagnosed over six months earlier;
    • haven’t had any complications in the last six months;
    • have no eye, kidney, nerve or vascular complications; and
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • ,li> have no known cardiovascular/coronary heart disease.

Incontinence

You have no underlying gastrointestinal or urinary condition.

Insulin Resistance

At the date you buy your policy, you have:

    • no cardiovascular/coronary heart disease; and
    • not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient.

Iron Deficiency

No criteria apply.

Macular Degeneration

No criteria apply.

Migraine

You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient.

Nocturnal Cramps

No criteria apply.

Osteoporosis/Osteopenia

At the date you buy your policy, you:

      • haven’t had any fractures;
      • don’t require more than one medication for this condition; and
      • have no other conditions involving the neck or back

Pernicious Anaemia

No criteria apply.

Plantar Fasciitis

At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned.

Raynaud’s Disease

At the date you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s Disease in the last six months.

Sleep Apnoea

At the date you buy your policy, you:

        • have no other known or underlying respiratory conditions (including Asthma); and
        • haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient.

Solar Keratosis

Your condition has been confirmed as benign.

Trigeminal Neuralgia

You haven’t required treatment by a medical practitioner for Trigeminal Neuralgia in six months prior to buying your policy.

Trigger Finger

At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned.

Vitamin B12 Deficiency

No criteria apply.

These conditions have specified cover criteria, as outlined in the PDS.