Before purchasing a policy, you should consider whether any person who will be covered by this policy has a Pre-Existing Medical Condition as defined below. If so, you can apply for cover by declaring your medical conditions and completing a medical assessment at the time you purchase your policy (currently available for Single Trip only). You cannot apply to include cover for Pre-Existing Medical Conditions of anyone who is not a covered person under this policy.

During the medical assessment, You must accurately answer questions about all Your medical conditions, as we use that information to determine whether we can cover you under this policy, and if so, on what terms. We may not accept your medical conditions for coverage, and if accepted, it may affect Your premium.

If you do not declare all of your medical conditions and any of those meet our definition of a Pre-Existing Medical Condition, then you will not be covered for any claim that arises from that Pre-Existing Medical Condition. Failure to accurately answer our questions regarding your medical conditions may also result in exclusion of declared medical conditions.

If we agree to cover your medical conditions that you declare for medical assessment, we will issue you a Medical Conditions Declaration listing your declared and covered medical conditions. The Pre-Existing Medical Conditions exclusions in Section A - Trip Cancellation and Amendment Cover and Section B – Overseas Medical Emergency Expenses Cover will not apply to your declared and covered medical conditions. 

How we define Pre-Existing Medical Conditions in the Policy

Pre-Existing Medical Condition means any illness, injury, medical or dental condition or disability which:

1. in the two (2) year period before the Issue Date:
   1. You were aware of, or a reasonable person in the circumstances could be expected to be aware of, the condition; and
   2. such condition:
      1. manifested itself, worsened, became acute or exhibited symptoms which would have caused a reasonable person in the circumstances to seek diagnosis, care or treatment; or
      2. required any of the following:
         1. medication prescribed by a Doctor (whether for treatment, management or prevention);
         2. check-ups, consultations or ongoing reviews (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor at the Issue Date to be cured or in complete remission); or
         3. treatment at a hospital emergency department, out-patient clinic or being admitted as an inpatient in hospital;
         4. surgery in the past or the future, a specialist appointment or consultation; or
      3. is currently either under investigation or pending diagnosis or test results; or
      4. was recommended for tests or further investigation by a Doctor; or
      5. was either treated or recommended treatment by a Doctor.
2. is any of the below medical conditions which You had diagnosed in the five (5) year period before the Issue Date:
   1. heart conditions, including any cardiovascular or coronary heart disease or any condition related to your blood or heart vessels;
   2. any condition that involves your brain, your circulatory or respiratory systems;
   3. kidney conditions and kidney disease;
   4. conditions involving the neck or back;
   5. reduced or deficient immune system;
   6. any type of cancer.

Pre-Existing Medical Condition also includes any past medical condition(s) or complications related to a previous pregnancy and any pregnancy complications or conditions experienced prior to the Issue Date on Your Certificate of Insurance.

See the Chubb Travel Insurance Single Trip Policy Wording for full terms, conditions, limits and exclusions.