Travel Insurance for your Existing Medical Conditions (EMC)

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 EpiPens, antihistamines/ other preventative medication at all times) and, at the time 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 time 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 time 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 time 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 time 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 time 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 time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.

Congenital Blindness - No criteria apply.

Congenital Deafness - No criteria apply.

Diabetes Mellitus (Types I and II) At the time 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 time you buy your policy, you have no current ear infection.

Epilepsy - At the time 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 time 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.

Graves’ Disease - At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.

Hashimoto’s Disease - The underlying medical cause excludes tumour.

Hiatus Hernia - At the time 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.