Which Medical Conditions are automatically covered in my travel insurance?

There are 38 medical conditions that are automatically included, where you, at the relevant time:

(a) have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time-period is specifically listed in the list below) for the Medical Condition;

(b) are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition; and

(c) meet any additional criteria set out in the Medical Conditions we automatically cover listed below.

If the criteria above are satisfied, cover is automatically included for the listed medical conditions.

This FAQ outlines those Medical Conditions automatically included, where you, at the Relevant Time:

have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time-period is specifically listed in the list below) for the Medical Condition;
are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition; and
meet any additional criteria set out in the Medical Conditions we automatically cover listed below.

If the criteria above are satisfied, cover is automatically included for the following Medical Conditions:

Acne
Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever, however this excludes any Anaphylaxis as part of any such condition
Asthma providing you:
1. have no other lung disease; and
2. are less than 60 years of age at the time you purchase the policy
Bell's Palsy
Benign Positional Vertigo
Bunions
Carpal Tunnel Syndrome
Cataracts
Coeliac Disease
Congenital Blindness
Congenital Deafness
Diabetes Mellitus (Type I) providing you:
1. were diagnosed over 24 months ago; and
2. have no eye, kidney, nerve or vascular complications; and
3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
4. are under 50 years of age at the date of policy purchase
Diabetes Mellitus (Type II) providing you:
1. were diagnosed over 24 months ago; and
2. have no eye, kidney, nerve or vascular complications; and
3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
4. are under 50 years of age at the date of policy purchase
Dry Eye Syndrome
Epilepsy providing:
1. there has been no change to your medication regime in the past 24 months; and
2. you are on no more than one anticonvulsant medication
Gastric reflux
Gastric/Peptic ulcer
Glaucoma
Gout
Graves' Disease
Hiatus Hernia
Hip/Knee replacement if performed more than 24 months ago but less than 10 years ago
Hypercholesterolemia (High Cholesterol) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
Hyperlipidemia (High Blood Lipids) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
Hypertension (High Blood Pressure) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
Hypothyroidism, including Hashimoto’s Disease
Incontinence
Insulin Resistance
Macular Degeneration
Meniere's Disease
Migraine
Nocturnal cramps
Plantar Fasciitis
Raynaud's Disease
Sleep Apnoea
Solar Keratosis
Trigeminal Neuralgia
Trigger Finger

If you require cover for Medical Conditions that are not automatically covered above, you may apply for additional cover for that condition.

If your condition meets the automatically covered conditions criteria, there is nothing further you need to do in order to be covered for that condition.

If your condition does not meet the automatically covered conditions criteria, and you want cover for this, you must complete a medical assessment to assess whether we can accept this risk and what, if any additional premium is payable by you, to have that condition specified on your policy.

Please also read the “General Exclusions” section of the PDS. which can be viewed here

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Things to note

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.