Medical Screening
Declarations and Coverage Info
Do you cover existing conditions?
We determine optional cover for pre-existing medical conditions through a medical screening questionnaire during the quote process. You can choose whether to declare medical conditions. If you do, an additional premium may apply to extend cover. If you choose not to declare, your policy remains valid, but claims arising from or connected to undeclared medical conditions will not be covered.
What counts as a pre-existing condition?
- Any medical condition for which you have taken prescribed medication or received treatment in the last 2 years.
- Any heart, circulatory, or respiratory condition (ever).
- Any psychiatric or psychological condition (ever).
- Any terminal prognosis.
How to Declare
When you get a quote, you will be asked "Do you have any medical conditions?". Select Yes and follow the prompts to complete the online screening.
You can also use the medical screening service after starting your quote if you would prefer to complete the declaration separately. Have your quote or policy details to hand if you already have them.
Medical screening service
Declare a condition online or speak to the screening team by phone.
Start your quote
Get a customized quote including coverage for your pre-existing conditions.
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