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        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?

        • Asthma
          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.
        • Epilepsy
          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.
        • Gout
          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.
        • Stroke
          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