Cover for medical conditions
A medical assessment can be completed online, using a printable form, or over the phone if cover is required for existing medical conditions.
For full details on applying for a medical assessment - including the definition of existing medical condition, a list of High Risk Existing Medical Conditions, and a list of medical conditions that are automatically covered - please refer to the product disclosure statement. It is also possible to apply for a medical assessment to cover the existing medical conditions of a non travelling relative or business partner.
The following information on arranging a medical assessment only applies to the QBE International Comprehensive Policy, QBE Annual Multi Trip Policy and QBE Australian Comprehensive Policy. No cover is available for existing medical conditions under the QBE Budget Policy or the QBE Inbound Policy.
You must apply for cover, and cover must be approved by QBE Insurance (Australia) Limited in writing, prior to the issue of a QBE Travel Insurance policy if:
- you have a High Risk Existing Medical Condition; or
- you require cover for any other existing medical condition not listed in the product disclosure statement as automatically covered; or
- you are 80 years of age or over; or
- you have answered yes to the question in the application regarding undergoing or having undergone or been referred for any tests or investigations into any undiagnosed or suspected medical condition.
QBE WILL NOT PAY any claim if you are aged 80 years or over at the time the Certificate of Insurance is to be issued or any claim arising as a result of, or exacerbated by, or consequential upon your existing medical condition UNLESS you have applied for cover, QBE has agreed to cover you, and you have paid any additional premium applicable.