Medical Conditions
1Cover can provide cover for most pre-existing medical conditions, in some cases subject to an extra premium. We offer instant online approval for the majority of conditions we can cover. Read through these FAQs if you think that this may affect one or more of your party.
If you need to download a form then please click here.
- What is a Pre Existing Medical condition?
- What Plans can I apply for and/or purchase cover for Pre-existing Medical Conditions?
- What if I am pregnant?
- What if I am 81 years old or over?
- What Pre Existing Medical conditions are not covered under any circumstances?
- What Pre Existing Medical conditions are covered for free?
- What Pre-existing Medical Conditions require a completed manual Medical Declaration Form for assessment?
- What Pre-existing Medical Conditions do not require a completed manual Medical Declaration Form for assessment?
- How long does a manual application for Pre-existing Medical Conditions cover take to be assessed?
- How long are the results of a manual Pre-existing Medical Condition assessment valid for?
- How long is my doctor's signature valid for on a medical form?
- How much does it cost to add cover for my Pre-existing medical condition to my travel insurance policy?
- Do I have to pay an additional premium for each Pre-existing condition I have or is it just one set price?
- I have a Frequent Traveller policy. Do I need to submit a Medical Declaration Form for each new Journey?
- What happens if I purchase a travel insurance policy with you and a new medical condition develops? Would I need to pay an additional premium?
- What happens if a family member has a Pre-existing medical condition?
1. What is a Pre Existing Medical condition?
A Pre-existing Medical Condition means:- An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware of.
- 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.
- Any condition for which you take prescribed medicine.
- Any condition for which you have had surgery.
- Any condition for which you see a medical specialist or
- Pregnancy - congratulations by the way!
This definition applies to you, your Travelling Party, a Relative or any other person.
If you fit into one of the above six categories then you would need to follow our online medical approval procedure. Your condition could still be covered for free.
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2. What Plans can I apply for and/or purchase cover for Pre-existing Medical Conditions?
- Plan A - Comprehensive
- Plan C - Basics
- Plan D - Domestic
- Plan E - Frequent Traveller (International)
- Plan F - Frequent Traveller (Domestic)
You cannot apply for or purchase cover for certain Pre-existing Medical Conditions under the following plans:
- Plan B - Essentials
- Plan G - Non-Residents (Incoming)
- Plan H - Residents (Incoming)
Only the Pre-existing Medical Conditions listed under Step 2 are covered under Plans B, G & H (unless hospitalisation has occurred), as well as certain conditions listed under the "Pregnancy" heading.
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3. What if I am pregnant?
Click here to download full details in PDF format
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4. What if I am 81 years old or over?
If you are aged 81 years old or over, you must complete the '81 Years and Over Medical Declaration Form' available online or call 1Cover on 0800 000 333. Mondial Assistance has the absolute right to accept or decline cover, or impose special conditions such as an additional Excess or reduced benefits.
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Click here to download full detial in PDF
6. What Pre Existing Medical conditions are covered for free?
Click here to download full detial in PDF
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7. What Pre-existing Medical Conditions require a completed Medical Declaration Form for assessment?
Click here to download full detial in PDF
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8. What Pre-existing Medical Conditions do not require a completed manual Medical Declaration Form for assessment?
Click here to download full detial in PDF
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9. How long does a manual application for Pre-existing Medical Conditions cover take to be assessed?
A manual Pre Existing approval will take around 24 hrs to turn around.
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10. How long are the results of a manual Pre-existing Medical Conditions assessment valid for?
The results of a manual PE approval are valid for up to 30 days from the issue date. If you do not purchase your travel insurance policy within those 30 days then you will have to go through the process all over again.
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Your doctor's signature is valid for up to 90 days on your medical declaration form. You must submit this form to us within this time frame otherwise you would need to get a new declaration.
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12. How much does it cost to add cover for my Pre-existing Medical Condition to my travel insurance policy?
In order to work this out then you will need to go through the "Online Assessment" process. You will need to do a quote for the travel you are looking to do in order for us to correctly calculate any extra pre-existing medical condition premiums. Follow the instructions as you go to the "buy" part of the process to go through our approvals system.
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13. Do I have to pay an additional premium for each Pre-existing Medical Condition I have, or is it just one set price?
It is just one set price. A person with three approved PE conditions will pay the same as someone with only one approved PE condition. You do not need to pay an additional premium for each one of them.
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14. I have a Frequent Traveller policy. Do I need to submit a Medical Declaration Form for each new Journey?
No. You pay the additional premium for your Pre-existing Medical Condition[s] for the 12 month period. You only need to submit a new Medical Declaration Form when it comes time to renew your Frequent Traveller policy. You do not need to tell us when you are travelling over the period of the annual policy either.
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If you have already purchased your travel insurance policy then any new medical condition that arises after that date is not considered a PE condition and you would not need to pay any loading. That said, you would need to obtain a letter from your doctor saying that you are fit to travel and that you had not had any symptoms before the date you purchase your travel insurance.
Please note that all exclusions listed in What Pre-existing medical conditions are not covered under any circumstances? are still excluded.
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16. What happens if a Relative has a Pre-existing Medical Condition?
If, as a result of a Pre-existing Medical Condition, a Relative of yours is hospitalised in New Zealand or Australia or dies in New Zealand or Australia after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, the following cover is available:
Section 4 - Family Emergency (Plans A, D, E, F, G & H only)
Reimbursement of the Reasonable additional cost of your return to New Zealand. We will only pay the cost of the fare class you had planned to travel at. Wherever claims are made by you under this Section and Section 16 for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.
Section 6 - Resumption of Journey (Plans A, E & H only)
Reimbursement of your airfares for you to return to the place you were when your Journey was interrupted, if you return to your Home. Wherever claims are made by you under this Section and Section 16 for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.
Section 16 - Cancellation Fees & Lost Deposits (Plans A, D, E, F, G & H only)
Your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your Journey is cancelled or shortened at any time through circumstances neither expected nor intended by you or outside your control.
The most we will pay under each of the above Policy Sections is:
- $2,000 for Single policies
- $2,000 per person for Group policies
- $4,000 for Family policies
Please read the Policy Wording carefully for complete details of what "We Will Pay" and "We Will Not Pay" and which of the benefits are provided under each Plan.
Importantly, please note that exclusions do apply, as well as limits to the cover.
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