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What is an existing medical condition?

What is an existing medical condition?

An existing medical condition is one for which, in the three years prior to policy purchase, you have:

  • Had symptoms or been diagnosed;

  • Been prescribed medication;

  • Received (or are waiting for) medical treatment;

  • Received (or are waiting for) tests, investigations or specialist consultation;

  • Received or been advised to attend a follow-up consultation; or

  • Had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling companion, a close relative, someone at home and any other person.