An Existing Health Disorder means:

• any medical or dental condition of Yours or of Your Travelling Companion, Relative or close business associate which required investigation, or treatment, or medication or advice from a doctor, dentist, chiropractor, physiotherapist or naturopath:

• for all Plans, except the Annual Multi-Trip Plans, in the thirty days before the date the Certificate of Insurance was issued.

• for the Annual Multi-Trip Plans in the 30 days before the date You paid for Your Trip or the effective date of Your Certificate of Insurance, whichever is the later date,

or

•any chronic or ongoing medical or dental condition of Yours or of Your Travelling Companion, Relative or close business associate which You were aware of, or of which You could be expected to be aware of, before the Certificate of Insurance was issued, and which could reasonably be expected to lead to a claim under this Policy.

If you have an Existing Health Disorder, simply call Travel Guard™ on 0800 367 244 to complete a medical assessment. You are not able to apply to have your Existing Health Disorders covered if you select the Australia Plan (G12). Regardless of the Plan you select, please refer to the "What conditions are covered automatically?" section for a list of conditions that are automatically accepted without undergoing an assessment.

If you wish to apply for cover then please take note of the following:

• Travel Guard™ will fairly assess applications but cannot guarantee acceptance.

• If cover can be provided, Travel Guard™ will advise you of the terms of cover and Plan Code, together with an Assessment Number.

• Cover of Existing Health Disorders is limited to the approval for the original Policy and cannot be extended.

• If accepted an additional premium charge will apply.

• We are also advised of the outcome of the assessment.

• You must retain a copy of our confirmation letter, which contains your Assessment Number, and submit this with your claim form as applicable.

To be assessed you will need to:

• Telephone the Travel Guard™ Medical Assessment Unit on 0800 367 244 (8.30am to 5pm week days, excluding public holidays)

• Request an 'Existing Health Disorder' assessment.

You will need to provide the medical assessment unit with the following:

• Relevant traveller's full name and age;

• Details of the Trip;

• Details of condition, current treatments and medications;

• Contact details of the relevant traveller's current Doctor; and

• Medical reports as required by the medical assessment unit.

• The provision of any information or reports required by the medical assessment unit will be at your expense.

Automatic acceptances apply to all Plans including the Australia Plan.

The conditions which follow are automatically covered under the Policy, but only where;

• there are no planned procedures; and

• there have been no complications or exacerbations of the condition within the last six months.

In all other circumstances, an Existing Health Disorder application is required. If you have any doubts, always call the medical assessment line.

• Acne

• Allergies

• Asthma – nil attacks requiring hospitalisation or medical treatment within

• the last 12 months

• Cataracts

• Coeliac Disease

• Diabetes – if diagnosed more than 12 months ago and have had no related complications or hospitalisations within the last 12 months

• Eczema

• Epilepsy – seizure free and nil change in medication within the last 12 months

• Essential Tremor

• Gastric reflux

• Glaucoma

• Gout

• Haemorrhoids

• Hayfever

• Hiatus Hernia

• Hip/Knee Replacements – performed more than 12 months ago and no ongoing treatment

• Hyper lipids

• Hypercholesterolemia

• Hypertension

• Hypothyroidism

• Insomnia

• Menopause / HRT

• Osteoporosis – nil fractures within the last 12 months

• Restless Leg Syndrome

• Sleep Apnoea

• Tinnitus

• Varicose Veins

Some medical conditions and health-related events cannot be covered.  These are summarised as follows:

• conditions for which you have been given a terminal or malignant prognosis

• sexually transmitted diseases or viruses

• AIDS, HIV or AIDS related conditions

• alcohol or drug addictions

• mental or nervous disorders

• depression or anxiety

• continuing with any form of treatment begun before your journey

• pregnancy or childbirth

• where you are travelling against medical advice

• where you are travelling for the purpose of obtaining medical advice or treatment

• any Existing Health Disorders of relative(s) who are not part of your travelling party.

For precise wording please refer to your Policy Wording.

ON GOING DUTY OF DISCLOSURE

If You suffer a new medical or dental event or your general state of health deteriorates after you have activated cover under this Policy, but before your departure for your trip, you must contact the Medical Assessment line and update them, otherwise the new condition or consequences of Your change in health may not be covered under the Policy once Your trip commences.  We reserve the right to review the cover granted including withdrawing or amending cover previously approved for the trip.  If we apply new restrictions then you will have the right to lodge a claim under Section D - Cancellation Fees and Lost Deposits should the new cover restrictions imposed by us prevent you from undertaking the planned trip.