Pre-Existing Medical Conditions

A Pre-Existing Medical Condition is classified as:

1. a physical defect, medical conditions or disease for which medical treatment or advice has been received during the 6-months prior to applying for your Mike Henry Corporate Travel Insurance cover, or

2. An ongoing medical condition or disability that exists when applying for this Mike Henry Corporate Travel Insurance cover.

In the 6 months prior to your travel insurance application, have you, had a physical defect, medical condition or disease for which:

  • You are aware of
  • You have taken medication for
  • You have received treatment, check-ups or medical advice for

If you answer 'Yes' to any of the above questions, you have a Pre-Existing Medical Condition - please read the following:

How to have your Pre-Existing Medical Condition covered:

Please contact our Medical Consultants toll free on 0800 657 744 to have your condition(s) covered. You will be given an authority number showing acceptance of your medical condition, for which there will be a surcharge of $50.

THERE ARE SOME CONDITIONS WE CANNOT COVER

  • No cover for pregnancy after 28 weeks
  • No cover available for terminal conditions
  • No cover for pre-existing psychosomatic, psychological, psychiatric, mental disorders, anxiety, depression, stress, dementia, or insanity
  • No cover for sexually transmitted diseases, AIDS/HIV
  • No cover for alcohol or drug abuse related illnesses
  • No cover if you are travelling against medical advice, or you are travelling to seek treatment
  • No cover for any condition you are on a waiting list for.