What We Cover - Pre-Existing Medical Conditions

The 43 Medical Conditions listed below automatically qualify for cover under this Policy, provided that:

• You have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months and
• Your medications for that condition have remained unchanged for the past 6 months:

1. Acne
2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
3. Asthma - providing that you:
   1. have no other lung disease and
   2. 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:
    1. Were diagnosed over 12 months ago, and
    2. have no eye, kidney, nerve or vascular complications, and
    3. do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and
    4. are under 60 years of age at the date of Policy purchase.
13. ~Diabetes Mellitus (Type II) - providing you:
    1. Were diagnosed over 12 months ago, and
    2. have no eye, kidney, nerve or vascular complications, and
    3. 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. Osteopenia
35. Osteoporosis
36. Pernicious Anaemia
37. Plantar Fasciitis
38. Raynaud's Disease
39. Sleep Apnoea
40. Solar Keratosis
41. Trigeminal Neuralgia
42. Trigger Finger
43. Vitamin B12 Deficiency

Blood Thinning Prescription Medication

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.

Pregnancy

Pregnancy is a Pre-existing Medical Condition and is not automatically covered. Please read this Benefit carefully if You are pregnant as there are important limitations to the benefits You are eligible to receive.

Cover available if You are pregnant

We will pay for unexpected serious complications of pregnancy and childbirth that occur:

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

Cover is subject to the exclusions described below and all other applicable terms and conditions, exclusions and limitations of the Policy.

Exclusions relating to claims Arising from all pregnancies

We will not pay any claim or loss directly or indirectly related to or Arising from:

• Childbirth at any stage of pregnancy (this means that if You deliver Overseas there is no cover for costs related to the birth); or
• The health or care of a newborn child whatever the proximate cause of the claim is (this means that if You deliver Overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children); or
• Your pregnancy or the pregnancy of any other person after the:
  • 23rd week of pregnancy with a single child; or
  • 19th week of pregnancy with twins or multiple children; or
• Your pregnancy at any gestation or the pregnancy of any other person at any gestation:
  • Where the conception was medically assisted (including hormone therapy and IVF); or
  • Where there have been complications of this pregnancy or complications of Your health that You have been advised may adversely affect this pregnancy; or
  • Where there have been complications of any previous pregnancy; or
• Antenatal care.

Complications means 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.