What Pre-Existing Medical Conditions Do You Cover?

The pre-existing medical conditions listed here are automatically covered under our policies without assessment or additional charge, provided:  

  • the condition has been stable for more than 12 months; and
  • there is no planned surgery, treatment or specialist review; and
  • you have not attended hospital for treatment for the condition in the past 12 months


Cover does not extend to cover any routine treatment or management of your approved pre-existing medical condition(s); for example, blood test and prescription renewals.

If your condition is listed on this page, but you do not meet the criteria above for automatic cover, you may still apply for cover via a medical assessment.

Please refer to the PDS or the Pre-Existing Medical Conditions page for further details. 


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All FAQ answers are based on the current effective PDS. If your policy is older than the current effective PDS, please contact us or refer to the effective PDS at time of purchase for answers pertaining to your policy.