Of course! We believe that having cover for unexpected medical expenses is so important that all of our international policies provide you with unlimited medical and hospital expenses. You never know what could happen while you’re on your NZ holiday – you may be in an accident and need to be hospitalised, your child may get an ear infection or you may become sick and have to purchase prescription medication.
Our travel insurance can provide cover for many medical conditions.
You can complete a medical screening for:
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Your existing medical conditions that you have or have had, for the 3 years prior to your policy purchase date,
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Any changes to your existing medical conditions which we have agreed to cover, after you buy your policy and before you leave for your trip,
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New medical conditions you develop after you buy your policy and before you leave for your trip.
If we agree to provide you with cover for your medical conditions following your medical screening, you may need to pay an additional premium.
IMPORTANT: If you have had a medical or pregnancy condition within the 3 years prior to your policy purchase date, and you have not completed a medical screening for those conditions, or you have not notified us of a change in health or new medical condition as mentioned above, there is no cover for any claims under the policy arising from any of those medical or pregnancy conditions. You should also be aware of the General Exclusions that apply to all benefits, in particular General Exclusion 20 and 22 of the PDS.
What is a medical condition?
We consider a medical condition to be any bodily or physical injury, physical defect, illness, disease or other medical or dental condition or sign or symptom of these things, which you and anyone listed on your policy (including dependants travelling with you):
- 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, or
- 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 “What is a Pregnancy Condition” below.
You need to complete a medical screening if you are pregnant and you have a pregnancy condition, as listed below:
- You are experiencing complications with the pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or
- You experienced complications with any previous pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or
- You are having multiple children (e.g. twins, triplets or more), or
- Your conception was medically assisted (e.g. hormone therapy or IVF).
If any of the above applies to you, you will need to complete a medical screening so that we can assess whether or not we can provide you with cover for your medical condition.
Check out our Medical Conditions page for more information about medical screening for your medical and pregnancy conditions including information about the General Exclusions that may apply.
Please refer to our Product Disclosure Statement for eligibility criteria, and policy terms, conditions, exclusions and limits that apply.
