How do I know if I have a medical condition that I need to tell you about?


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.