Am I covered if I have a pre-existing medical condition?

This information is for residents of Helpdesk Global only.

Click here for policy holders with policies purchased AFTER Wednesday, 7 June, 2017 5:00 pm CDT.

Click here for policy holders with policies purchased BEFORE Wednesday, 7 June, 2017 5:00 pm CDT.

Policies purchased after Wednesday, 7 June, 2017 5:00 pm CDT.

Pre-existing conditions – unless they are controlled and stable - are not covered for Trip Cancellation, Trip Interruption, Accidental Death and Dismemberment, Emergency Sickness Medical Expense, and Emergency Accident Medical Expenses.

And not to get too technical but a pre-existing condition is defined as a something that you have showed symptoms of, been treated or tested for, recommended you be tested for, or received a prescription for in the 90 days prior to the effective date.

If you have taken or received a prescription in the previous 90 days, the pre-existing condition doesn’t apply if the problem is treated or controlled solely by the taking of prescription drugs, and if there has been no adjustment to that prescription in those 90 days prior to your policy date

Policies purchased before Wednesday, 7 June, 2017 5:00 pm CDT.

Pre-existing conditions – unless they are controlled and stable - are not covered for Trip Cancellation, Trip Interruption, Accidental Death and Dismemberment, Emergency Sickness Medical Expense, and Emergency Accident Medical Expense.

And not to get too technical but a pre-existing condition is defined as a something that you have showed symptoms of, been treated or tested for, recommended you be tested for, or received a prescription for in the six months prior to signing up for coverage.

If you have taken or received a prescription in the previous six months, the pre-existing condition doesn’t apply if the problem is treated or controlled solely by the taking of prescription drugs, and if there has been no adjustment to that prescription in those six months prior to your policy date.

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Last Updated: Jun 08, 2017 10:02AM AEST