If You wish to apply for Existing Health Disorder cover:

• Download the Existing Health Disorder cover application form
• Complete the form and return to AIG Australia for assessment and processing
• The medical section must be completed by Your usual doctor

We will fairly assess application for Existing Health Disorders but cannot guarantee acceptance.

A separate fee of $60 will be charged to assess Your application for Existing Health Disorder cover. Payment can be made by Credit Card or by Cheque made payable to International SOS™.

Payment must be provided together with Your Existing Health Disorder cover application form. We will consider Your application and contact You as soon as possible to advise whether cover is available.

We may accept or decline Your application, offer restricted cover or require an additional premium payment. Policy cover for Existing Health Disorder cannot commence until We have reviewed the required information and advised acceptance of Our decision.

Your payment will not be processed until the Existing Health Disorder is accepted and the policy issued. If Your application is accepted, then the $60 assessment fee will be retained.

However, if Your Existing Health Disorder has been declined, We will advise You by letter, and confirm that payment has not been actioned. If payment has been made by cheque, the cheque will be returned.

Any Existing Health Disorder cover is limited to the term of the original policy.

The conditions which follow are automatically covered under the Policy, but only where, there are no planned procedures, and there have been no complications or exacerbations of the condition within the last six months.
In all other circumstances, an Existing Health Disorder application is required. If you have any doubts, always call International SOS™ on 1800 008 473.

• Acne
• Allergies
• Asthma – nil attacks requiring hospitalisation or medical treatment within the last 12 months
• Cataracts
• Coeliac Disease
• Diabetes – if diagnosed more than 12 months ago and have had no related complications or hospitalisations within the last 12 months
• Eczema
• Epilepsy – seizure free and nil change in medication within the last 12 months
• Essential Tremor
• Gastric reflux
• Glaucoma
• Gout
• Haemorrhoids
• Hayfever
• Hiatus Hernia
• Hip/Knee Replacements – performed more than 12 months ago and no ongoing treatment
• Hyper lipids
• Hypercholesterolemia
• Hypertension
• Hypothyroidism
• Insomnia
• Menopause / HRT
• Osteoporosis – nil fractures within the last 12 months
• Restless Leg Syndrome
• Sleep Apnoea
• Tinnitus
• Varicose Veins

Some medical conditions and health-related events cannot be covered.  These are summarised as follows:

• conditions for which you have been given a terminal or malignant prognosis
• sexually transmitted diseases or viruses
• AIDS, HIV or AIDS related conditions
• alcohol or drug addictions
• mental or nervous disorders
• Your or any other person's depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.
• depression or anxiety
• continuing with any form of treatment begun before your journey
• pregnancy or childbirth
• where you are travelling against medical advice
• where you are travelling for the purpose of obtaining medical advice or treatment
• any Existing Health Disorders of relative(s) who are not part of your travelling party.

For precise wording please refer to your Policy Wording.