Travel Insurance Saver
    24
    September
    2020
    25
    September
    2020
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    Medical Condition

    Medical Condition means Existing Medical Condition Cover - Please view the Existing Medical Condition Cover page for further information. To complete a Medical Screening online please click Yes to when to the following questions. 'Would this traveller like to be assessed for existing medical condition(s) cover?

    Altitude Limits

    There are no altitude limits that apply to our policies. 

    Existing Medical Condition Travel Insurance(EMC)

    Medical assessment online

    What is an existing medical condition?
    • had symptoms, or
    • been diagnosed, or
    • been prescribed medication, or
    • received (or are waiting for) medical treatment, or
    • received (or are waiting for) tests, investigations or specialist consultation, or
    • received or been advised to attend a follow-up consultation; or,
    • had surgery or attended a hospital or clinic (as an outpatient or inpatient

    nib defines an existing medical condition within 12 months prior to buying the policy where it fits the criteria, or anything ongoing/chronic/terminal (see high-risk conditions below). If it doesn’t fit that definition, nib don’t consider it to be an existing medical condition. If it fits that definition, nib would then look at the auto-covered list and criteria to confirm whether it’s auto-covered, if not you apply for cover for that condition if you want.
     

    High risk medical conditions 

    If you have ever had any of the following medical conditions, you must have a medical screening before or at the time you buy your Comprehensive, Annual Multi Trip or Australian policies. 
    We will then determine if the condition can be added to your policy and covered as a specified medical condition.
    • heart conditions – cardiovascular/coronary heart disease;
    • respiratory conditions (except asthma and/or sleep apnoea providing they are automatically covered);
    • chronic kidney disease; 
    • conditions involving the neck or back; 
    • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);
    • immune system deficiencies/reduced immunity; or 
    • any terminal illness.
      
      
    To Complete the Existing Medical Condition screeening please get a quote and select  'Medical Condition' and you will be prompted to complete form within the checkout process
     
    Existing Medical Conditions covered for free. 
    • Acne - You haven’t received treatment for your Acne from a medical practitioner in the three months prior to buying your policy.

    • Allergies You follow advice in accordance with your medical practitioner (such as to carry EpiPen’s, 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 practitioner 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.
    • 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
    • Congenital Deafness
    • 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’ve: 
      • 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.
    • Folate Deficiency - No criteria apply.
    • 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.
    • 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 practitioner 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.
    • Hypothyroidism (underactive thyroid) - The underlying medical cause excludes tumour. 
    • Hyperthyroidism (overactive 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’ve: 
      • 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 - 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 practitioner 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 practitioner 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.

    To add an existing medical condition please get a quote and select the optional extra's Medical Condition button. Australian, Annual Multi Trip & Comprehensive travel plans are the only policies that you can add Existing Medical Conditions onto. If you’re 70 or over, you’ll need to answer a few questions about your health before purchasing a policy. Click YES when asked "Would this traveller like to be assessed for existing medical condition(s) cover?"   This will redirect you to nib to complete the medical screening.

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      24
      September
      2020
      25
      September
      2020
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      Medical Condition

      Medical Condition means Existing Medical Condition Cover - Please view the Existing Medical Condition Cover page for further information. To complete a Medical Screening online please click Yes to when to the following questions. 'Would this traveller like to be assessed for existing medical condition(s) cover?

      Altitude Limits

      There are no altitude limits that apply to our policies.