Can I get cover if I have routine medical reviews, tests or scans?
Yes, in many cases.
If you have an existing diagnosed medical condition and attend routine follow-up appointments, tests or scans, we can normally provide cover provided that:
You declare the medical condition.
You complete any required medical screening.
You pay any additional premium that applies.
Routine monitoring of an existing diagnosed condition does not automatically prevent cover.
What if I have been referred for a new or non-routine investigation?
If you have been referred for a non-routine appointment, test or scan because of a new symptom, unexpected result or change in your health, we will be unable to provide cover until that investigation has been completed.
Examples can include:
A new growth or lump.
Unexpected blood test results.
A new symptom that requires further investigation.
A scan or test requested because of a recent change in your health.
Once the investigation has been completed and you have a confirmed outcome or diagnosis, you can then check whether cover can be provided.
What if I am not sure whether my appointment is routine?
If you are unsure whether your test, scan or appointment is routine or part of a new investigation, please contact us before travelling.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.