What does exclusion mean?

Exclusions mean, that we will not cover the following:

1. Any claim arising as a result of the following.
   1. If before purchasing this insurance you or anyone insured on this policy have suffered from or received any form of medical advice, treatment or medication for any of the following conditions unless the condition has been declared:
      • any heart or circulatory condition; or
      • any respiratory condition; or
      • any cancerous condition.
   2. If before purchasing this insurance you or anyone insured on this policy have suffered from any of the following unless you have made a declaration to us:
      • you have a medical condition for which you are taking prescribed medication; or
      • you have consulted a hospital specialist or needed inpatient treatment within the last 12 months.
   3. If you are an Annual Multi-Trip policyholder and after you have paid your insurance premium but before you travel you or anyone insured on this policy suffer from any of the following unless you have made a declaration to us:
      • you are diagnosed with a heart condition, a circulatory condition, a respiratory condition or cancer; or
      • you receive inpatient medical treatment; or
      • you are placed on a waiting list for investigation or medical treatment.
      • Please refer to the Health conditions section on page 14 of the policy wording for further details.
   4. You are travelling with the purpose of receiving medical treatment abroad.
   5. You, a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with, are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms at the time of purchasing this insurance and/or at the time of commencing travel.
   6. You, a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with, have been given a terminal prognosis at the time of purchasing this insurance and/or before commencing travel.
2. Any claim relating to an incident which you were aware of at the time you purchased this insurance and which could reasonably be expected to lead to a claim.
3. Any claim relating to any diagnosed psychological or psychiatric disorder, anxiety or depression which you or any person whose condition may give rise to a claim, have suffered from, required medication or treatment for in the two years before you bought this insurance.