Q. What about my kids – are they free?
Yes, as long as they are 17 years or under, and their names appear on your Certificate of Insurance – they are covered…
When you apply for a policy, we ask you a few questions about the health of each person. If you answer “yes” to any of those questions, you’ll need to complete a medical assessment relating to the medical conditions that triggered the ‘yes’ answers.
Medical conditions you need to tell us about when you apply for a policy are those which:
- you’re waiting to see a medical professional for, or waiting for a test or investigation, or the results of a test or investigation; or
- require ongoing treatment or check-ups; or
- you should be taking prescribed medication for; or
- you’ve seen a medical professional for in the last 3 months; or
- you’ve had surgery or been hospitalised for in the last 3 years; or
- relate to heart problems (such as angina, palpitations, high blood pressure, or stenting), stroke, transient ischaemic attack (TIA), chronic obstructive pulmonary disease (COPD), or cancer.
You don’t need to tell us about an everyday cold or tummy bug.
If you think you might need to declare a medical condition, check out “What pre-existing medical conditions do you cover?” for more details.
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Q. Do you cover medical expenses within Australia?
No, the medical cover we offer is for emergency medical treatment when you are overseas. However, if you are sick or injured in Australia, you’ll get medical care provided by Medicare, or your private health insurer…
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