Assessment of Pre-Existing Medical Conditions

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Assessment of Pre-Existing Medical Conditions

Medical Screening

How long does an existing medical condition assessment take?

If you have an existing medical condition that is not automatically accepted, you can apply to add it as a specified medical condition when you buy your policy. With Travel Clear, our medical self-assessment service, you can have your existing medical condition(s) assessed for cover online in just 10 minutes.

You’ll be advised if cover is available, and you can then buy your travel insurance policy immediately.

What information do I need to complete the medical assessment?

Make a list of all your Existing medical conditions (for more details on What is an existing medical condition refer, to page 15 of the PDS). If you are unsure of the name of any of your conditions, check with your doctor first. As it’s easy to miss something, here are some questions to prompt you:

Are you taking prescribed medication for any condition(s)?

If so, make sure you know the name of the condition(s) that you are taking any prescribed medication for. SureSave World Assistance will need to know the name of the condition rather than the medication in most cases.

Have you had any operations?

If you have had an operation for anything, you need to know the name of the underlying condition. For example, if you have had a heart by-pass operation, SureSave World Assistance will need to know the name of the heart condition that led to you having the operation.

Have you got any existing conditions that are ‘under control’?

Common examples of this are High Blood Pressure and Diabetes. Even if your existing condition is controlled by medication, diet or some other form of treatment, failure to disclose it may mean that it (and any other condition you may have) is not covered under your policy.

Make sure you have your SureSave Quote Number with you.

Call SureSave for a medical assessment, Monday-Friday 9.00am-7pm (AEST) on 1300 763 872 or go online and complete the medical screening during the quote process.

How does the assessment work?

On average, it takes less than 10 minutes to complete an assessment. During the assessment SureSave World Assistance will ask you to answer a series of simple questions about your existing medical condition(s) and your general health. The good news is that you will not require any doctors’ certificates, but you will need to be familiar with your health issues.

What if my condition is not covered?

Yes, you can still purchase travel insurance. Usually if you have recently received major medical treatment, the insurers may not provide cover for your condition. that does not mean you can not purchase travel insurance, only there will be no cover for any claim that relates to the medical condition. All limits and benefits will be available if you purchase the travel insurance, but if your medical condition involves a claim,  the limits and benefits may be reduced and no cover available. Please read the PDS, to confirm these products suit your travel wants and needs.