+Medical Conditions

What is a Medical Condition?

By way of basic overview, we do not cover any claims under the policy benefits arising from any medical condition or pregnancy condition that existed during:

• the period of 3 years prior to your policy issue date; or
• the period between the time of your policy issue date and the date of departure for your trip (other than for a claim under Benefit 5: Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip),

unless we agree to list the relevant medical condition or pregnancy condition as covered on your certificate of insurance. If any changes to health occur after we have listed any medical condition or pregnancy condition as covered and before the date of departure for your trip, the cover for those listed conditions is automatically excluded from the time the change in health occurred, unless you undertake an additional medical screening and we agree to list them as covered.

A medical condition means any bodily or physical injury, physical defect, illness, disease or other medical or dental Condition or sign or symptom of these things, the applicable person:

• required prescription medication for or has been prescribed medication from a medical practitioner in writing for,
• sought or received medical advice from a medical practitioner or other health care professional for,
• had tests, investigations, care, treatment or medical attention including surgery for,
• been admitted to hospital for (including emergency department or day surgery procedure), or
• became aware of or which a reasonable person in the circumstances would have been aware of.

It includes but is not limited to:

• the suffering or treatment of mental illness,
• a brain, heart (such as any cardiovascular or coronary heart disease or any condition related to a heart or blood vessels), kidney, liver, respiratory, circulatory (such as high blood pressure, stroke, or transient ischaemic attack), cancer or cancerous condition,
• reduced or deficient immune system,
• a sign or symptom of the above matters,
• a persistent and lasting health condition such as constant pain or long-suffering pain or pain with a pattern of relapse and remission, or
• any conditions related to previous and current pregnancy as detailed in “Pregnancy Conditions” (as described below) and “Pregnancy Cover” on page 35 of the PDS.

Pregnancy Conditions

Cover available if you are pregnant

We cover for your unexpected serious complications of pregnancy and childbirth (see below for our definition of ‘Complications of pregnancy and childbirth’) that occur:

• Up to the end of the 23rd week of pregnancy if you are pregnant with a single child; or
• Up to the end of the 19th week of pregnancy if you are pregnant with twins or multiple children.

We do not cover any claims under the policy benefits arising from a pregnancy condition that existed during:

• the period of 3 years prior to your policy issue date; or
• the period between the time of your policy issue date and the date of departure for your trip (other than for a claim under Benefit 5: Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip),

unless we agree to list the relevant pregnancy condition as covered on your certificate of insurance. If any changes to health occur after we have listed any pregnancy condition as covered and before the date of departure for your trip, the cover for those listed conditions is automatically excluded from that time unless you undertake an additional medical screening and we agree to list them as covered.

What is a Pregnancy Condition?

A Pregnancy Condition means you are pregnant and any of the following circumstances apply to you:

• You are experiencing complications with this pregnancy that fall within the definition of Complications of pregnancy and childbirth (below), or
• You experienced complications with any previous pregnancy that fall within the definition of Complications of pregnancy and childbirth (below),
• You are having multiple children (e.g. twins, triplets or more),
• Your conception was medically assisted (e.g. hormone therapy or IVF).

Complications of Pregnancy and Childbirth

Any condition you have been diagnosed with or treated for in the past or any secondary diagnosis, occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome including but not limited to the following:

• Toxemia (toxins in the blood)
• Gestational diabetes (diabetes arising because of pregnancy)
• Gestational hypertension (high blood pressure arising because of pregnancy)
• Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
• Ectopic pregnancy (a pregnancy that develops outside of the uterus)
• Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
• Post-partum haemorrhage (excessive bleeding following childbirth)
• Retained placenta membrane (part or all the placenta is left behind in the uterus after delivery)
• Placental abruption (part or all the placenta separates from the wall of the uterus)
• Hyperemesis gravidarum (excessive vomiting because of pregnancy)
• Placenta previa (when the placenta is in the lower part of the uterus and covers part or all the cervix)
• Stillbirth
• Miscarriage
• Emergency caesarean section
• A termination needed for medical reasons

What we cannot cover

Whether or not we list a pregnancy condition as covered or not, we will not pay any claim or loss directly or indirectly related to or arising from:

• Your pregnancy or the pregnancy of any other person after the end of the:
• 23rd week of pregnancy with a single child or
• 19th week of pregnancy with multiple children,
• Childbirth unless it is due to the listed complications of pregnancy in Table 1.1 that either it is listed on your certificate of insurance as a covered condition, or you have been diagnosed for these complications during your trip,
• The health or care of a newborn child whatever the cause of the claim is (if you deliver overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children),
• Antenatal care, including medications and vitamins.

+Medical and Pregnancy Conditions must be listed as a covered condition on your certificate of insurance

We will not cover any claims arising from any of your Medical or Pregnancy Conditions:

1. that existed during the period of 3 years prior to your policy issue date which is:
   1. not listed as a covered condition in your certificate of insurance, or
   2. listed as an excluded condition in your certificate of insurance.
2. which is listed as a covered condition in your certificate of insurance but changes in health have occurred after the issue date of the policy and before the earlier of the time your trip starts, unless:
   1. you complete a new medical screening after the changes in health occur, and
   2. we agree otherwise before the earlier of the date of departure for your trip or the time of the claim.

Point 2b) above does not apply to a claim under Cover Benefit 5: Trip Cancellation Expenses relating to the cancellation or rescheduling of your trip which occurs between the issue date of your policy and the date of departure for your trip.

See Product Disclosure Statement (PDS) for full terms and conditions and exclusions and limits that apply.