A “pre-existing medical condition” means:

  1.  any of the following conditions you have ever had prior to the policy issue date shown on your schedule, even if treatment is no longer being received:
    • heart (cardiac) condition;
    • lung or respiratory condition (other than asthma if it meets the criteria on page 40 of the PDS;
    • kidney (renal) condition;
    • reduced immunity;
    • dementia or documented memory problems; and
    • metastatic (secondary) cancer.
  2. any medical condition or dental condition for which investigation, medical advice or any treatment has been obtained, or for which prescribed drugs have been taken, within the 90 days before the policy issue date shown on your schedule
  3. any medical condition or dental condition that is chronic or ongoing in nature that you and/or a reasonable person in your position knew or ought to have known you were suffering or potentially suffering from prior to the policy issue date shown on your schedule. This is regardless of whether you have undergone investigation, received medical advice or treatment, or taken prescribed drugs within the 90 days before the policy issue date shown on your schedule.
  4. The policy terms and conditions for a pre-existing medical condition:
    •  include any complications or treatment that are directly or indirectly attributable to it
    •   apply to you, the persons named as travellers on the insurance schedule, and your or their relative or business partner, or any other person known to you before we issue this policy.