“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that, at the Relevant Time, meets any one of the following:
a) Has required an emergency department visit, hospitalisation or day surgery procedure within the last 12 months.

b) Requires:
(i) prescription medication from a qualified medical
(ii) regular review or check-ups;
(iii) ongoing medication for treatment or risk factor control; or
(iv) consultation with a specialist.

c) Has:
(i) been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer; or
(ii) required surgery involving the abdomen, back, brain, joints or spine that required at least an overnight stay in hospital.

d) Is:
(i) chronic or ongoing (whether chronic or otherwise) and medically documented;
(ii) under investigation;
(iii) pending diagnosis; or
(iv) pending test results.

“Relevant Time” in respect of:
a) Single Trip policies means the time of issue of the policy.
b) Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

If You are unsure whether You have an Existing Medical Condition or have any questions, please call us for assistance – 1300 034 888.

See the Product Disclosure Statement for full details of the terms, conditions and exclusions before you buy Kogan Travel Insurance, so you can be sure it’s right for you.