Do you cover Pre-Existing Medical Conditions?

We can provide cover for Pre-Existing Medical Conditions.

Go Insurance offers cover for pre-existing medical conditions subject to the inclusions and exclusions within our Product Disclosure Statement (PDS) / Policy Wording.

Product Disclosure Statement (PDS) for Australian residents 

Policy Wordings for New Zealand residents

If your conditions are not automatically covered, you will need to complete a medical assessment if you wish to cover your pre-existing medical conditions.

Our approach to Pre-existing Medical Conditions 

Pre-existing Medical Conditions fall into different categories: 

1. Conditions which are automatically covered; 
2. Conditions which are not automatically covered; and 
3. Conditions which cannot be covered.

If you want to be covered for claims arising from or related to Your Pre-existing Medical Condition, there are some important things You need to do. You will first need to see if Your Pre-existing Medical Condition is automatically covered by the policy.  If it is not automatically covered by the policy, You will need to complete a medical screening at the time of buying Your policy.  

At that time, We will tell You if We can cover Your Pre-existing Medical Condition and whether it requires You to pay more premium and/or if We wish to vary the standard policy terms (eg by applying a higher Excess to any claim arising from the condition).

In some cases, We cannot offer cover for Your Pre-existing Medical Condition. If this is the case, We will advise You before You decide whether to purchase the policy. 
If Your Pre-existing Medical Condition(s) is not automatically covered by the policy and it is not declared to and accepted by Us at the time You buy the policy, We may not pay any claim arising from or related to that condition(s).  

Search also What is a Pre-Existing Medical Condition and Automatically Covered Pre-Existing Medical conditions.