What is a Pre-Existing Medical Condition?
A Pre-existing medical condition is one that is an existing or recurring illness, an infirmity, injury, disability or physical defect that you are aware of.
If you have a medical condition for which you have had a medical examination, consultation, treatment, investigation and/or medication in the 12 months prior to your policy being issued, this is also regarded as a Pre-existing Medical Condition.
What Do I Do If I Have a Pre-existing Condition?
As part of our online purchase process you will be asked if anyone on the policy has a pre-existing condition. If you answer ‘yes’ to this, you will have the option to complete an online medical assessment which will determine if we can cover your medical condition(s). This assessment is a quick, step-by-step online process that gathers information about your condition before assessing the available cover, and any additional costs for that condition to be covered.
I’m Not Sure If I Need to Declare My Condition
Our pre-screening questions will answer this for you. If you are unsure if your condition needs to be declared, answer the question as ‘Yes’. You will initially be asked some screening questions which will determine if you need to complete the medical assessment, otherwise you are automatically covered.
Do I Have to Declare My Medical Conditions?
Some Pre-existing medical conditions are covered automatically. If you have a Pre-existing condition which falls outside the automatic acceptance criteria detailed in the Policy Wording, the condition must be disclosed to us, whether or not you are seeking cover for the condition. This is because the condition may affect the terms and availability of cover. If the condition is not disclosed to us, there is a risk that no claims will be payable under this policy.