Visiting New Zealand

Pre-existing conditions

Pre-existing conditions are not covered under your Visiting New Zealand policy. Any medical conditions that develop during your Visiting New Zealand policy will not automatically be covered under any further policies you purchase.

What is a pre-existing condition?

We consider a pre-existing condition to be any medical or physical condition (including congenital conditions, anomalies or defects but excluding congenital blindness and deafness), symptom or circumstance which that person is aware of, or a reasonable person in that person’s circumstances ought to have been aware of for which advice (including awaiting test results), care, treatment, medication or medical attention has been sought, given, or recommended prior to your start date of insurance and regardless of whether or not a medical diagnosis has been made.

If you have symptoms but not a diagnosed condition, these are still considered to be pre-existing conditions.

How does having a pre-existing condition affect my cover?

If you have a pre-existing condition you can still buy a policy with us, but you will not be covered for any claims, costs or losses under any section of the policy arising directly or indirectly from, related to or associated with any pre-existing conditions.
However, you will have cover under your policy for all other unexpected events that meet the terms and conditions of your policy.

For full terms and conditions, please refer to the Product Disclosure Statement (PDS) including Policy Wording.