“Am I covered if I have a pre-existing medical condition?” is a tricky question. The answer is yes, but only if you meet specific requirements.
You will be covered by World Nomads for a pre-existing medical condition but only if the following are all true:
- Your pre-existing medical condition is one of the 23 automatically covered conditions below; and
- You have met the specific requirements noted for that particular pre-existing medical condition; and
- You haven’t been hospitalised for any condition (this even includes day surgery or a visit to an Emergency Department) within the last two years.
The 23 automatically covered pre-existing medical conditions include:
- Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hayfever
- Asthma, providing you:
have no other lung disease; and
are less than 60 years of age at the time of policy purchase
- Bell’s Palsy
- Coeliac Disease
- Congenital Blindness
- Congenital Deafness
- Diabetes Mellitus (Types I and II), providing you:
were diagnosed over 12 months ago;
have no eye, kidney, nerve or vascular complications;
don’t also suffer from a known cardiovascular condition, Hypertension, Hyperlipidaemia or Hypercholesterolaemia; and
are under 50 years of age at the date of policy purchase for Type I Diabetes
- Folate Deficiency
- Gastric Reflux
- Graves’ Disease
- Hypothyroidism, including Hashimoto’s Disease
- Impaired Glucose Tolerance
- Insulin Resistance
- Iron Deficiency Anaemia
- Pernicious Anaemia
- Plantar Fasciitis
- Pregnancy: for a single, uncomplicated pregnancy which doesn’t arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation, and where your trip finishes before the end of the 26th week of gestation.
Cover doesn’t apply to claims arising from or related to:
- a pregnancy where you experienced any complication – for any pregnancy – prior to policy purchase;
- a multiple pregnancy;
- regular antenatal care;
- childbirth at any time;
- care of a newborn child
21. Raynaud’s Disease
22. Trigger Finger
23. Vitamin B12 Deficiency
It would be best if you were sure to thoroughly read the terms, conditions, limits and exclusions of the policy and contact World Nomads direct if you still have questions.
Or check out these official articles on the World Nomads website.