Pre-existing Medical Conditions FAQs | Fast Cover

Pre-Existing Medical Conditions FAQs

  1. Can I get a policy that covers me for the Pre-Existing Medical Conditions that are not listed?

    We CANNOT cover Pre-Existing Medical Conditions that are NOT on our list of Automatically covered Pre-Existing Medical Conditions.

     

    Please contact Allianz Global Assistance on 02 9998 7854, they may be able to take you through a medical assessment over the phone and create a travel insurance policy for your specific condition.

     

    Please note:

    1) These policies can ONLY be done on over the phone.

    2) Medical assessments can ONLY be done by the person requiring the insurance or for their dependent.

    3) They will need your medical history detailing the condition that you have and the medication you are on.

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  2. Do I have a Pre-Existing Medical Condition?

    We define Pre-Existing Medical Conditions as:

    a) An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;

    b) A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;

    c) Any condition for which you take prescribed medicine; d) Any condition for which you have had surgery;

    e) Any condition for which you see a medical specialist; or

    f) Pregnancy.

     

    If you answered yes to any of the above then for the purposes of our travel insurance you have a Pre-Existing Medical Condition. Fast Cover policies automatically cover 44 Pre-Existing Medical Conditions.

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  3. Do I need to declare my Pre-Existing Medical Conditions?

    No, you don't need to declare your Pre-Existing Medical Condition/s to us. We have a list of Pre-Existing Medical Conditions that we do cover, and anything NOT on that list is excluded from cover.

     

    If you would like to be covered for your Pre-Existing Medical Condition/s which are NOT on our list, contact the Allianz Global Assistance Specialist Medical travel insurance team 02 9998 7854. They can take you through a medical assessment over the phone and may be able to provide a tailored Travel Insurance policy for your specific condition.

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  4. I have a Pre-Existing Medical Condition, where can I declare it?

    To make things fast and simple, we don't need you to declare your Pre-Existing Medical Condition/s to us. We have a list of Pre-Existing Medical Conditions that we cover and anything NOT on that list is NOT covered.

     

    If you would like to be covered for your Pre-Existing Medical Condition/s which are NOT on our list, please contact the Allianz Global Assistance Specialist Medical travel insurance team on 02 9998 7854. They can take you through a medical assessment over the phone and may be able to provide a tailored Travel Insurance policy for your specific condition.

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  5. Can I add on Pre-Existing Medical Conditions that aren't on the list?

    We keep our processes simple and have a fixed list of Pre-Existing Medical conditions that we automatically cover.

     

    If you would like to be covered for your Pre-Existing Medical Condition/s which are NOT on our list, please contact the Allianz Global Assistance Specialist Medical travel insurance team on 02 9998 7854. They can take you through a medical assessment over the phone and may be able to provide a tailored Travel Insurance policy for your specific condition.

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  6. Is Pregnancy a Pre-Existing Medical Condition?

    Yes, for the purposes of travel insurance, pregnancy is a Pre-Existing Medical Condition. Pregnancy is covered under our policies provided it is a single pregnancy without complications and you are not past the 23rd week.

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  7. What is meaning of 'Mental Illness' in the PDS?

    'Mental Illness' means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders.

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  8. What is the meaning of 'Pre-existing Medical Condition' in the PDS?

    'Pre-existing Medical Condition' means:

    a) An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;

    b) A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;

    c) Any condition for which you take prescribed medicine;

    d) Any condition for which you have had surgery;

    e) Any condition for which you see a medical specialist; or

    f) Pregnancy.

    This definition applies to you, your travelling companion, a relative or any other person.

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  9. What pre-existing medical conditions are covered?

    This travel insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered except for those medical conditions described in the Section of the PDS headed 'PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (some restrictions apply)".

    If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs, which can be prohibitive in some countries.

    'Pre-existing Medical Condition' is defined in the section headed 'Words with Special Meanings' of the PDS.

    Pre-existing Medical Conditions that are covered (some restrictions apply)

    This section outlines the pre-existing medical condition which are covered.

    You have cover if your pre-existing medical condition is listed as follows, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

    Blood Thinning Prescription Medication:

    Please note: We will not pay any claims arising from, related to or associated with you taking a blood-thinning prescription medication such as Warfarin or similar, except under sub-sections 2.1 a] and 2.1 b] of the PDS.

    1. Acne

    2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever

    3. Asthma - providing that you:

    a. have no other lung disease and

    b. are less than 60 years of age at the date of policy purchase.

    4. Bell's Palsy

    5. Benign Positional Vertigo

    6. Bunions

    7. Carpal Tunnel Syndrome

    8. Cataracts

    9. Coeliac Disease

    10. Congenital Blindness

    11. Congenital Deafness

    12. *Diabetes Mellitus (Type I) - providing you:

    a) were diagnosed over 12 months ago, and

    b) have no eye, kidney, nerve or vascular complications, and

    c) do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and

    d) are under 50 years of age at the date of policy purchase.

    13. *Diabetes Mellitus (Type II) - providing you:

    a) were diagnosed over 12 months ago, and

    b) have no eye, kidney, nerve or vascular complications, and

    c) do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia.

    14. Dry Eye Syndrome

    15. Epilepsy - providing there has been no change to your medication regime in the past 12 months, and you are on no more than one anti-convulsant medication

    16. Folate Deficiency

    17. Gastric Reflux

    18. Goitre

    19. Glaucoma

    20. Graves' Disease

    21. Hiatus Hernia

    22. *Hypercholesterolaemia (High Cholesterol) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes

    23. *Hyperlipidaemia (High Blood Lipids) provided you do not also suffer from a known cardiovascular disease and/ or Diabetes

    24. *Hypertension (High Blood Pressure) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes

    25. Hypothyroidism, including Hashimoto's Disease

    26. Impaired Glucose Tolerance

    27. Incontinence

    28. Insulin Resistance

    29. Iron Deficiency Anaemia

    30. Macular Degeneration

    31. Meniere's Disease

    32. Migraine

    33. Nocturnal Cramps

    34. Osteopaenia

    35. Osteoporosis

    36. Pernicious Anaemia

    37. Plantar Fasciitis

    38. Pregnancy up to and including the 23rd week provided it is single and without complications**

    39. Raynaud's Disease

    40. Sleep Apnoea

    41. Solar Keratosis

    42. Trigeminal Neuralgia

    43. Trigger Finger

    44. Vitamin B12 Deficiency

    * Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.

    **Complications mean 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.

    If your condition is not described in the previous list or is not a single pregnancy without complications**, or is a condition:

    • for which you have been hospitalised (including day surgery or emergency department attendance) in the 24 months prior to the time of the policy being issued; or
    • was for surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital at any time prior to the policy being issued,

    we will not pay any costs arising from, related to or associated with that condition except under sub-sections 2.1 a] and 2.1 b] of the PDS:

    This means that we will not pay:

    • your medical expenses whatsoever
    • your evacuation or repatriation to Australia
    • your journey cancellation or rearrangement costs
    • any additional or out of pocket expenses (including additional travel and accommodation expenses).

    Please also read the 'General Exclusions Applicable to all Sections' on pages 50 to 52 of the PDS for more detail.

    We do not offer any cover at all under Plans A, B, C, D, M or S for any Pre-existing Medical Conditions, except as listed on pages 23 to 25 of the PDS.

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