When we refer to the term “existing medical condition” at Cover-More, we mean a disease, illness, medical or dental condition or physical defect that, at the relevant time*, meets any of the following criteria:
It has required an emergency department visit, hospitalisation or day surgery procedure within the last 12 months.
It requires prescription medication from a qualified medical practitioner; regular review or check-ups; ongoing medication for treatment or risk factor control; or consultation with a specialist.
It has been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system, or cancer; or required surgery involving the abdomen, back, brain, joints or spine that required at least an overnight stay in hospital.
It is chronic or ongoing (whether chronic or otherwise) and medically documented; under investigation; pending diagnosis; or pending test results.
*On a Single Trip policy, relevant time means the time of issue of the policy. On an Annual Multi-Trip policy, relevant time means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.