Medical

Acne - You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.

Allergies - You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/ other preventative medication at all times) and, at the time you buy your policy, you:

have no other known or underlying respiratory conditions or diseases (for example, asthma); and
have not required treatment from a medical practitioner for your allergies in the last six months.

Anaemia (Iron Deficiency) - No criteria apply.

Asthma - At the time you buy your policy, you:

are under 60 years of age;
have no other known or underlying respiratory conditions (including sleep apnoea);
haven’t required cortisone medication, except taken by inhaler or puffer; and
haven’t required hospitalisation for asthma in the last two years, including as an outpatient.

Bell’s Palsy - No criteria apply.

Benign Positional Vertigo - At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.

Bunions - At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.

Carpal Tunnel Syndrome - At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.

Cataracts - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.

Coeliac Disease - At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.

Congenital Blindness - No criteria apply.

Congenital Deafness - No criteria apply.

Diabetes Mellitus (Types I and II) At the time you buy your policy, you:

were diagnosed more than six months ago;
haven’t had any complications in the last six months;
have no eye, kidney, nerve or vascular complications;
have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
have no known cardiovascular/ coronary heart disease.

Dry Eye Syndrome - No criteria apply.

Ear Grommets - At the time you buy your policy, you have no current ear infection.

Epilepsy - At the time you buy your policy, you’ve:

no underlying medical conditions (for example, previous head trauma, stroke);
not changed your medication regime for epilepsy in the last 12 months; and
not required hospitalisation for epilepsy in the last two years, including as an outpatient.

Folate Deficiency - No criteria apply.

Gastric Reflux - Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

Glaucoma - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.

Goitre - The underlying medical cause excludes tumour.

Graves’ Disease - At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.

Hashimoto’s Disease - The underlying medical cause excludes tumour.

Hiatus Hernia - At the time you buy your policy, you haven’t had surgery for hiatus hernia in the last six months and have no surgery planned.

Hypercholesterolemia/ Hyperlipidaemia (High Cholesterol / High Lipids) - Provided you have no cardiovascular/ coronary heart disease.

Hypertension (High Blood Pressure) - Provided at the time you buy your policy:

you have no known cardiovascular/coronary heart disease; and
your current blood pressure reading is lower than 165/95

Hypothyroidism (underactive thyroid) - The underlying medical cause excludes tumour.

Hyperthyroidism (overactive thyroid) - The underlying medical cause excludes tumour.

Impaired Glucose Tolerance - At the time you buy your policy, you:

were diagnosed more than six months ago;
haven’t had any complications in the last six months;
have no eye, kidney, nerve or vascular complications;
have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
have no known cardiovascular/ coronary heart disease.

Incontinence - You have no underlying gastrointestinal or urinary condition.

Insulin Resistance - At the time you buy your policy, you’ve:

no known cardiovascular/coronary heart disease; and
not required hospitalisation for insulin resistance in the last two years, including as an outpatient.

Iron Deficiency - No criteria apply.

Macular Degeneration - No criteria apply.

Migraine - You haven’t required hospitalisation for migraines in the two years prior to buying your policy, including as an outpatient.

Nocturnal Cramps - No criteria apply.

Osteoporosis/ Osteopenia - At the time you buy your policy, you:

haven’t had any fractures;
don’t require more than one medication for this condition; and
have no other conditions involving the neck or back.

Pernicious Anaemia - No criteria apply.

Plantar Fasciitis - At the time you buy your policy, you haven’t had surgery for plantar fasciitis in the last three months, and have no surgery planned.

Raynaud’s Disease - At the time you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s disease in the last six months.

Sleep Apnoea - At the time you buy your policy, you:

have no other known or underlying respiratory conditions (including asthma); and
haven’t required hospitalisation for sleep apnoea in the last two years, including as an outpatient.

Solar Keratosis - Your condition has been confirmed as benign.

Trigeminal Neuralgia - You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.

Trigger Finger - At the time you buy your policy, you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.

Vitamin B12 Deficiency - No criteria apply.

Changes in your health before travelling

If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner that you are fit to travel and get written confirmation. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.

Don’t forget, the definition of an existing medical condition includes a condition that was displaying symptoms or that you were undergoing investigations for at the time you bought your policy. If you did not tell nib about your existing medical condition when you bought your policy, contact nib as soon as possible.