Pre-existing medical conditions cover
A major benefit of the TBIB Travel Insurance Policy is the ability to obtain coverage relating to pre-existing medical conditions. The definition of ‘pre-existing medical conditions’ as it applies to the Policy is explained in the Product Disclosure Statement (PDS), and we have summarised this below.
The TBIB Travel Insurance Policy PDS states that a Pre-existing Medical Condition means a medical or dental condition of which you were aware:
- Prior to the time of the policy being issued:
- you have not yet sought a medical opinion regarding the cause; or
- are currently under investigation to define a diagnosis; or
- are awaiting specialist opinion, OR,
- Prior to the time of the policy being issued that involves:
- surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital
- your heart, brain, circulatory system/blood vessels; or
- your lung or chronic airways disease; or
- cancer; or
- back pain requiring prescribed pain relief medication; or
- diabetes mellitus (Type 1 or Type 2); OR,
- In the 24 months prior to the time of the policy being issued:
- for which you have been in hospital or emergency department or day surgery; or
- for which you have been prescribed a new medication or had a change to your medication regime; or
- requiring prescription pain relief medication; OR,
- Prior to the time of the policy being issued that is:
- pregnancy; or
- connected with your current pregnancy or participation in an IVF program.
The TBIB Travel Insurance Policy allows you to apply for cover for pre-existing medical conditions or to exclude them for a premium saving.
We will always recommend that if available, you include cover for your declared pre-existing conditions.
To read the Product Disclosure Statement click here.