Get Travel Insurance save 33% on QBE Annual Multi Trip, International, Australian, Elements, Inbound non residents Travel Insurance policies
Existing Medical Conditions (EMC) ... Covered Free or High Risk Medical Conditions
'NEW' ... Online lodgement facility with a link to the online EMC application process with your quote.
If you are applying for an International Travel Plan you must tell QBE if you or anyone in your travelling party has a High Risk existing medical condition (refer *below or PDS page 7) or requires cover for any other existing medical condition other than those automatically covered (refer **below PDS page 8), or if anyone in your travelling party is 70 years or over, regardless of health.
If you are applying for an Annual Multi Trip Travel Plan you must tell QBE if you or anyone in your travelling party has a High Risk existing medical condition or requires cover for any other existing medical condition other than those automatically covered.
If you are applying for an Australian Travel Plan you must tell QBE if you or anyone in your travelling party requires cover for an existing medical condition other than those automatically covered.
An existing medical condition is:
a. any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, or which is medically documented within the last 12 months or under investigation in the 12 months prior to the issue of the Certificate of Insurance; or
b. any physical, mental illness or medical condition (including pregnancy), defect, illness or disease of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 60 days prior to the issue of the Certificate of Insurance and in the case of the Annual Multi Trip Travel Plan also within 30 days prior to booking any trip.
Note:
. Where any condition, illness or disease is the subject of an investigation, that condition, illness or disease falls within this definition, regardless of whether or not a diagnosis of the condition, illness or disease has been made.
. This definition applies regardless of whether or not the condition, illness or disease displays symptoms.
. This definition applies to you, your travelling party, your relatives, your business colleague, or any other person whose state of health could affect your travel plans
The Following High Risk Existing Medical Conditions require application for cover
High Risk Existing Medical Conditions: If you are applying for an International or Annual Multi Trip Travel Plan you must tell us if you or anyone in your travelling party has any of the following existing medical conditions.
Cardiovascular/Cerebrovascular Diseases
Angina (Coronary Artery Disease/Ischaemic heart Disease)
Myocardial Infarction (Heart Attack)
Cardiomyopathy . Cardiac arrhythmias (disturbances to the heart rhythm)
Congestive cardiac/heart failure
Cerebrovascular Accident (CVA/Stroke/TIA - Transient Ischaemic Attack)
Cardiac Valve Disease
Previous cardiac surgery (stents, bypass surgery, valve replacement, and pacemakers/intracardiac devices)
Aneurysms
Peripheral Vascular Disease
Chronic Lung Diseases
Emphysema
Chronic bronchitis
Bronchiectasis
Chronic obstructive airways/pulmonary disease (COAD/ COPD)
Pulmonary Fibrosis/Asbestosis
Cystic Fibrosis
Neurological Disorders
MS (Multiple Sclerosis)
Parkinsons Disease
Motor Neurone Disease
Muscular Dystrophy
Myasthenia Gravis
Traumatic Brain Injury
Others
Organ transplants
Any back condition, including chronic pain and/or surgery in the last 5 years
Any condition for which you have undergone surgery or which has been under investigation within the last 12 months.
Any condition that is awaiting investigation or treatment
Any cancer that was diagnosed within the last 5 years excluding non-melanoma skin cancers
MATTERS YOU NEED TO KNOW
Cooling off Period ... If, having purchased a QBE policy, you want to return it, you can do so within 21 days of receiving the Certificate of Insurance and obtain a full refund, provided no claim has been made and your trip has not commenced. The Cooling Off Period does not apply to policy or trip extensions. (Please read the PDS as conditions apply).
Insurance Disclaimer: Where a person uses this site to purchase travel insurance the following terms,conditions and acceptance criteria apply. Insurance issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 AFS Licence 239545. Before deciding to acquire any insurance product, you should obtain and consider the relevant Product Disclosure Statement to decide if a policy is right for you. This material contains general information only and may not suit your particular circumstances. Cover limits apply as set out in the policy wording.
GETravel Insurance a trading name of Global Surf Travel Pty Ltd. ABN 79 083 338 649 P.O. Box 97 Burleigh Heads QLD 4220. A distributor of QBE Insurance (Australia) Limited, we do not ask for nor do we keep any of your personal information.
Disclaimer: You understand that the insurance contract is between you and QBE Insurance (Australia) Limited only and that GETravel Insurance / Global Surf Travel Pty Ltd is not the insurer of any risk and will not be liable for any damages, loss or claim whatsoever, in connection with the purchase of insurance from QBE Insurance (Australia) Limited