Pre-existing Medical Conditions

Chubb Travel Insurance provides cover for unforeseen medical events only. Therefore not all pre-existing medical conditions are covered. We do however have 54 approved medical conditions that are automatically covered with our policies at no additional premium.

Pre-existing medical conditions

You will not be covered for any claim that arises directly or indirectly due to a Pre-existing Medical Condition.

Pre-existing Medical Condition means any physical defect, condition, illness or disease of You, Your Travel Companion, Relative or Business Partner for which:

  1. treatment, diagnosis, consultation, advice (including advice for treatment) has been received in the twelve (12) month period immediately preceding the Issue Date; or
  2. medication has been prescribed for in the twelve (12) month period immediately preceding the Issue Date; or
  3. treatment is planned and yet to be received; or
  4. a condition, the manifestation of symptoms of which a reasonable person in the circumstances would be expected to be aware at the Issue Date; and
  5. is not an Approved Medical Condition.

Approved Medical Conditions

Cover is available automatically and without the need to go through an assessment process for the approved medical conditions as set out in the table below and:

  1. the stipulated Requirement and/or Age Limits as set out in the table, where applicable, are met; and
  2. You are not travelling against medical advice; and
  3. You are not travelling for the purpose of seeking medical attention; and
  4. You have not been hospitalised (including day surgery or emergency department attendance) for the Pre-existing Medical Condition at any time during the twelve (12) months prior to the Issue Date (unless a shorter period is specified in the Requirement column); and
  5. You are not over the age of seventy six (76) years at any time during the Period of Insurance (or a lower age where specified).
ItemMedical Conditions
1 Acne
2 Bell’s Palsy
3 Benign Positional Vertigo
4 Bunions
5 Carpal Tunnel Syndrome
6 Cataracts
7 Coeliac Disease
8 Congenital Blindness
9 Congenital Deafness
10 Dry Eye Syndrome
11 Eczema
12 Folate Deficiency
13 Food Intolerance
14 Gastric Reflux
15 Goitre
16 Glaucoma
17 Graves’ Disease
18 Hay Fever
19 Hypothyroidism, including Hashimoto’s Disease
20 Impaired Glucose Tolerance
ItemMedical Conditions
21 Incontinence
22 Insulin Resistance
23 Iron Deficiency Anaemia
24 Lipoma
25 Macular Degeneration
26 Meniere’s Disease
27 Migraine
28 Nocturnal Cramps
29 Osteopaenia
30 Osteoporosis
31 Pernicious Anaemia
32 Plantar Fasciitis
33 Raynaud’s Disease
34 Rhinitis
35 Rosacea
36 Sinusitis (chronic)
37 Sleep Apnoea
38 Solar Keratosis
39 Trigeminal Neuralgia
40 Trigger Finger
41 Vitamin B12 Deficiency
ItemMedical ConditionsRequirement and/or Age Limit
42 Asthma

You have not had an asthma attack requiring treatment by a Doctor in the twelve (12) months immediately prior to the Issue Date and have no other lung disease.

You are not over the age of sixty (60) years at any time during the Period of Insurance.

43 ^Diabetes Mellitus (Type I)
  1. You were diagnosed over twelve (12) months immediately prior to the Issue Date, and
  2. You have no eye, kidney, nerve or vascular complications, and
  3. You do not also suffer from a known cardiovascular disease, Hypertension (raised blood pressure), Hyperlipidaemia (raised lipids) or Hypercholesterolemia (raised cholesterol) and
  4. You are not over the age of fifty (50) years at any time during the Period of Insurance.
44 ^Diabetes Mellitus (Type II)
  1. You were diagnosed over twelve (12) months immediately prior to the Issue Date, and
  2. You have no eye, kidney, nerve or vascular complications, and
  3. You do not also suffer from a known cardiovascular disease, Hypertension (raised blood pressure), Hyperlipidaemia (raised lipids) or Hypercholesterolemia (raised cholesterol).
45 Epilepsy There has been no change to Your medication in the twelve (12) months immediately prior to the Issue Date.
46 Gout The gout has remained stable for the six (6) months immediately prior to the Issue Date.
47 Hiatus Hernia No surgery is planned in the next twelve (12) months immediately after the Issue Date.
48 Hip Replacement It was performed more than six (6) months immediately prior to the Issue Date.
49 Hypercholesterolemia (Raised Cholesterol)^ You do not also suffer from a known cardiovascular disease and/or Diabetes.
50 Hyperlipidaemia (Raised Lipids)^ You do not also suffer from a known cardiovascular disease and/or Diabetes.
51 Hypertension (Raised Blood Pressure)^ You do not also suffer from a known cardiovascular disease and/or Diabetes.
52 Peptic Your condition has remained stable for more than six (6) months immediately prior to the Issue Date.
53 Stoke If the stroke occurred more than twelve (12) months immediately prior to the Issue Date and no further rehabilitation or specialist review is planned.
54 Underactive Thyroid If not as a result of a tumour.

^ Diabetes (Type I and Type II), Hypertension (raised blood pressure), Hyperlipidaemia (raised lipids) or Hypercholesterolemia (raised cholesterol) are risk factors for cardiovascular disease. If You have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is excluded.

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