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In recent years we’ve received feedback from our travellers and staff that pre-existing medical conditions is difficult to understand. We’ve simplified this in our new Product Disclosure Statement (PDS), effective 7 December 2017. Please continue reading below for further information.


Existing Medical Conditions

Cover for existing medical conditions has changed under our new PDS effective 7 December 2017.

For information on policies purchased prior to 7 December 2017, refer to Section 5.0 Pre-Existing Medical Conditions of the PDS that was provided to you when you bought your policy. You’re also able to find this by signing in to TID.com.au, or you can always drop us an email at [email protected] and we’ll be happy to resend your documents.

From 7 December 2017, if you have an existing medical condition at the time you buy your policy, the cover described below and further detailed in the PDS effective 7 December 2017 applies to claims arising from that medical condition.

What’s an existing medical condition?

An existing medical condition is one for which, at the time of policy purchase, you have ever:

  • had symptoms or been diagnosed;
  • been prescribed medication;
  • received (or are waiting for) medical treatment;
  • received (or are waiting for) tests, investigations or specialist consultation;
  • received or been advised to attend a follow-up consultation; and/or
  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).
  • It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, a member of your travelling party, a close relative, and any other person.

Automatically accepted conditions

For new policies issued from 7 December 2017, TID have revised the list of existing medical conditions which are automatically covered. We automatically cover you for over 40 existing medical conditions (shown in the table below) for events that unexpectedly arise from that condition, provided that at the time you buy your policy you satisfy all criteria listed for the condition(s).

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MEDICAL CONDITION

Acne

You haven’t received treatment for your Acne from a medical practicioner in the three months prior to buying your policy.

Allergies

You follow advice in accordance with your medical practicioner (such as to carry EpiPens, antihistamines/other preventative medication at all times) and, at the date you buy your policy, you: have no other known or underlying respiratory conditions or diseases (for example, Asthma); and have not required treatment from a medical practicioner for your allergies in the last six months.

Anaemia (Iron Deficiency)

No criteria apply.

Asthma

At the date you buy your policy, you: are under 60 years of age; have no other known or underlying respiratory conditions (including Sleep Apnoea); haven’t required cortisone medication, except taken by inhaler or puffer; and haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.

Bell’s Palsy

No criteria apply.

Benign Positional Vertigo

At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient.

Bunions

At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned.

Carpal Tunnel Syndrome

At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned.

Bell’s Palsy

No criteria apply.

Cataracts

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned.

Coeliac Disease

At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient.

Congenital Blindness

No criteria apply.

Congenital Deafness

No criteria apply.

Diabetes Mellitus (Types I and II)

At the date You buy your policy, you:

  • were diagnosed more than six months ago;
  • haven’t had any complications in the last six months;
  • have no eye, kidney, nerve or vascular complications;
  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
  • have no known cardiovascular/coronary heart disease.

Dry Eye Syndrome

No criteria apply.

Ear Grommets

At the date you buy your policy, you have no current ear infection.

Epilepsy

At the date you buy your policy, you have: no underlying medical conditions (for example, previous head trauma, stroke); not changed your medication regime for Epilepsy in the last 12 months; and not required hospitalisation for Epilepsy in the last two years, including as an outpatient.

Gastric Reflux

Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

Glaucoma

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in the last three months, and have no surgery planned.

Dry Eye Syndrome

No criteria apply.

Goitre

The underlying medical cause excludes tumour.

Grave’s Disease

At the date you buy your policy, you haven’t received treatment from a medical practicioner for Grave’s Disease in the last six months.

Hashimoto’s Disease

The underlying medical cause excludes tumour.

Hiatus Hernia

At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.

Hypercholesterolemia/ Hyperlipidaemia (High Cholesterol / High Lipids)

Provided You have no cardiovascular/coronary heart disease.

Hypertension (High Blood Pressure)

Provided at the date you buy your policy: you have no known cardiovascular/coronary heart disease; and your current blood pressure reading is lower than 165/95.

Hyperthyroidism (overactive thyroid)

The underlying medical cause excludes tumour.

Hypothyroidism (underactive thyroid)

The underlying medical cause excludes tumour.

Impaired Glucose Tolerance

At the date you buy your policy, you:

  • were diagnosed more than six months ago;
  • haven’t had any complications in the last six months;
  • have no eye, kidney, nerve or vascular complications;
  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
  • have no known cardiovascular/coronary heart disease.

Incontinence

You have no underlying gastrointestinal or urinary condition.

Insulin Resistance

At the date you buy your policy, you have:

  • no known cardiovascular/coronary heart disease; and
  • not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient.

Iron Deficiency

No criteria apply.

Macular Degeneration

No criteria apply.

Migraine

No criteria apply.

Dry Eye Syndrome

You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient.

Nocturnal Cramps

No criteria apply.

Osteoporosis/ Osteopenia

At the date you buy your policy, you:

  • haven’t had any fractures;
  • don’t require more than one medication for this condition; and
  • have no other conditions involving the neck or back.

Pernicious Anaemia

No criteria apply.

Plantar Fasciitis

At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned.

Raynaud’s Disease

At the date you buy your policy, you haven’t required treatment by a medical practicioner for Raynaud’s Disease in the last six months.

Sleep Apnoea

At the date you buy your policy, you:

  • have no other known or underlying respiratory conditions (including Asthma); and
  • haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient.

Solar Keratosis

Your condition has been confirmed as benign.

Trigeminal Neuralgia

You haven’t required treatment by a medical practicioner for Trigeminal Neuralgia in six months prior to buying your policy.

Trigger Finger

At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned.

Vitamin B12 Deficiency

No criteria apply.

Can I purchase cover for my other existing medical conditions that are not automatically covered?

No, you can’t buy any additional cover. If you have an existing medical condition that’s not listed above as an automatically accepted condition, or you don’t satisfy all criteria for any listed condition, then you can still buy a policy, but you won’t be covered for any claim that arises in relation to the existing medical condition.

If your condition is not included as automatically covered with TID, you can check out nib Travel Insurance who offers the option to apply for cover for existing medical conditions on their travel insurance policies.

What if I develop a medical condition after buying my policy but before I travel?

If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner for written confirmation that you’re fit to travel. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises either directly or indirectly from that condition if you still travel.

Don’t forget, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition.

Existing medical conditions – other people

Refer to the policy wording under Section 5.0 Existing Medical Conditions for information on the cover available when your trip is impacted by someone else’s existing medical condition.

Travelling while pregnant

From 7 December 2017, we’ve also changed the cover for pregnancy and pregnancy complications. Details of changes can be found here. Refer to the policy wording under Section 6.0 Travelling While Pregnant and the full policy wording for more information.

For information on cover for pregnancy prior to 7 December 2017, refer to the previous policy wording under Section 5.0 Pre-existing Medical Conditions.

Further information

Please read all policy terms, conditions, limitations and exclusions in the policy wording to ensure you understand the cover available, including the sections What’s Covered and What’s Not and the General Exclusions.

If you have any queries regarding existing medical conditions or pregnancy, please contact us on 1300 843 843.