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If I have contracted COVID-19 at any stage before purchasing a policy, must this be declared as an existing medical condition?

It depends, if a traveller contracts COVID-19 before purchasing their policy, and it meets the definition of an ‘existing medical condition’, it needs to be declared at the time of purchase.

For example: a traveller would not need to declare COVID-19 as an existing medical condition if they had a case of COVID-19 that was resolved more than 6 months ago, and there were no lasting symptoms at the time of purchase.

An ‘existing medical condition’ is any medical condition which:

- at the time you buy your policy is:

  • chronic; or
  • displaying symptoms; or
  • under investigation; or
  • pending follow-up consultation, treatment or surgery; or where these are recommended or planned; or
  • metastatic; or
  • terminal; or

- in the six months prior to the time you buy your policy there has been:

  • treatment by a medical practitioner; or
  • medication prescribed; or
  • surgery.

We will assess the condition and determine any additional premium if we are able to offer cover for the ‘existing medical condition’.

Should a traveller’s existing medical condition be declined for cover, or if cover is offered but the traveller opts to not pay the additional premium to add this cover to their policy, any claims arising from their existing medical condition would be excluded.

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Qantas Travel Insurance policies are managed by nib Travel Services (Australia) Pty Limited (nib) ABN 81 115 932 173 AFSL 308461 and underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193. Qantas (AR 261363) is nib’s authorised representative and acts on behalf of nib. This is general advice only. Consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and your personal circumstances before you buy.

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