Pre-Existing Medical Conditions
Smart Traveller Insurance covers for unforeseen medical conditions and emergencies only. Our policies do however, cover for a select range of pre-existing medical conditions. Please refer to the PDS for full details.
What medical conditions are automatically covered?
If you have not had an asthma attack requiring treatment by a doctor in the last twelve (12) months.
- Diabetes Non-insulin dependent
If you were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a blood sugar level reading between 4 and 10.
If there are no underlying medical conditions and you have not required treatment by a doctor for a seizure in the last twelve (12) months.
If the gout has remained stable for the past six (6) months.
- Hiatus Hernia
If no surgery is planned in the next two (2) years.
- Hip Replacement
If performed more than six (6) months ago.
- High Blood Pressure
If you have no known heart conditions and your current BP reading is below 165/95.
- High Cholesterol
If you have no known heart conditions.
- Peptic Ulcer
If your condition has remained stable for more than six (6) months.
- Prostate Cancer
If you have a Gleason Score P.S.A. (Prostate Specific Antigen) reading of 3.0 or less.
If the stroke occurred more than twelve (12) months ago and no further rehabilitation or specialist review is planned.
- Underactive Thyroid
If not as a result of a tumour