What Does "Pre-Existing Medical Condition" Mean?

A pre-existing medical condition(s) is:

1)  any medical, dental, physical, or mental condition, defect, virus, disease, or illness of which in the 12 months prior to the issue of the certificate of insurance, you were aware or should reasonably have been aware (due to symptoms a reasonable person in the circumstances would be expected to be aware of) and for which you (being all persons insured under the policy and set out on the certificate of insurance), your relative or travelling companion have:

• been diagnosed or had symptoms (even if a condition has not yet been diagnosed);  

• have been prescribed medication; 

• received or are waiting for medical treatment, including any kind of surgery; 

• 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). 

And/or: 

2)  any of the below medical conditions which you, your relative, or your travelling companion had at any time in your life: 

• Heart conditions, including any cardiovascular or coronary heart disease or any condition related to your blood or heart vessels; 

• Any condition that involves your brain, your lung & respiratory system, or circulatory systems; 

• Kidney conditions and kidney disease; 

• Any physical or mental disability; 

• Any recurring illness; 

• Conditions involving the neck or back; 

• Any type of cancer; 

• Reduced or deficient immune system; and/or 

• Any chronic or ongoing medical condition or terminal illness. 

This definition applies to You, Your Travelling Companion, and a Relative or any other person.