Travel Insurance for Girl Surfers travelling overseas to Fiji Thailand Bali Indo Japan Philippines New Zealand or within Australia for a surfing holiday
Existing Medical Conditions (EMC) ... Covered Free or High Risk Medical Conditions
'NEW' ... Online lodgement facility with a link to the online EMC application process with your quote.
For travellers under 70 years of age, the choice is yours to make. Travellers only need to apply if they want cover for an EMC, unless their condition is defined as a High Risk EMC.
Travellers over 70 years of age are required to complete a Travellers Medical Appraisal form but no need to visit doctors unless requested by QBE.
For all travellers, there is no longer a need to visit the doctor prior to the application for EMC, unless requested by QBE.
If you are applying for an International Travel Plan you must tell QBE if you or anyone in your travelling party has a High Risk existing medical condition (refer *below or PDS page 7) or requires cover for any other existing medical condition other than those automatically covered (refer **below PDS page 8), or if anyone in your travelling party is 70 years or over, regardless of health.
If you are applying for an Annual Multi Trip Travel Plan you must tell QBE if you or anyone in your travelling party has a High Risk existing medical condition or requires cover for any other existing medical condition other than those automatically covered.
If you are applying for an Australian Travel Plan you must tell QBE if you or anyone in your travelling party requires cover for an existing medical condition other than those automatically covered.
An existing medical condition is:
a. any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, or which is medically documented within the last 12 months or under investigation in the 12 months prior to the issue of the Certificate of Insurance; or
b. any physical, mental illness or medical condition (including pregnancy), defect, illness or disease of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 60 days prior to the issue of the Certificate of Insurance and in the case of the Annual Multi Trip Travel Plan also within 30 days prior to booking any trip.
Note:
. Where any condition, illness or disease is the subject of an investigation, that condition, illness or disease falls within this definition, regardless of whether or not a diagnosis of the condition, illness or disease has been made.
. This definition applies regardless of whether or not the condition, illness or disease displays symptoms.
. This definition applies to you, your travelling party, your relatives, your business colleague, or any other person whose state of health could affect your travel plans
The Following High Risk Existing Medical Conditions require application for cover
High Risk Existing Medical Conditions: If you are applying for an International or Annual Multi Trip Travel Plan you must tell us if you or anyone in your travelling party has any of the following existing medical conditions.
Cardiovascular/Cerebrovascular Diseases
Angina (Coronary Artery Disease/Ischaemic heart Disease)
Myocardial Infarction (Heart Attack)
Cardiomyopathy . Cardiac arrhythmias (disturbances to the heart rhythm)
Congestive cardiac/heart failure
Cerebrovascular Accident (CVA/Stroke/TIA - Transient Ischaemic Attack)
Cardiac Valve Disease
Previous cardiac surgery (stents, bypass surgery, valve replacement, and pacemakers/intracardiac devices)
Aneurysms
Peripheral Vascular Disease
Chronic Lung Diseases
Emphysema
Chronic bronchitis
Bronchiectasis
Chronic obstructive airways/pulmonary disease (COAD/ COPD)
Pulmonary Fibrosis/Asbestosis
Cystic Fibrosis
Neurological Disorders
MS (Multiple Sclerosis)
Parkinsons Disease
Motor Neurone Disease
Muscular Dystrophy
Myasthenia Gravis
Traumatic Brain Injury
Others
Organ transplants
Any back condition, including chronic pain and/or surgery in the last 5 years
Any condition for which you have undergone surgery or which has been under investigation within the last 12 months.
Any condition that is awaiting investigation or treatment
Any cancer that was diagnosed within the last 5 years excluding non-melanoma skin cancers
The Following Medical Conditions Automatically Covered for Free
Provided the following existing health disorders are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is provided without application.
Acne
Allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy
Anaemia - including iron deficiency anaemia, B12 deficiency, Folate deficiency, pernicious anaemia
Asthma - not requiring cortisone medication and no hospitalisation for the past 12 months including as an outpatient
Bell's Palsy
Benign breast or renal cysts
Bunions
Carpal Tunnel syndrome
Coeliac Disease
Congenital Blindness/Deafness
Diabetes Mellitus Types 1 and 2 - where you have no known cardiovascular, hypertensive, vascular disease and no related kidney, eye or neuropathy complications.
Epilepsy - you have been seizure free for the past 12 months and do not require more than 1 anti-seizure medication
Goitre, hypothyroidism, Hashimotos disease, Graves disease
Hiatus Hernia/Gastro-oesophageal Reflux disease, Peptic Ulcer disease
High Blood Pressure (Hypertension) - stable
High Cholesterol (Hypercholesterolaemia)
High Lipids (Hyperlipidaemia)
Insulin Resistance, Impaired Glucose Tolerance
Incontinence
Menopause
Migraines except where you have been hospitalised in the past 12 months
Nocturnal cramps
Osteoporosis - where there have been no fractures and you do not require more than 1 medication
Plantar Fasciitis
Pregnancy related illness up to and including 26 weeks gestation; provided that there have been no complications in this pregnancy or any previous pregnancy; or this pregnancy has not been assisted by artificial reproductive techniques, eg IVF
Raynaud's Disease
Trigeminal neuralgia
Trigger finger
Routine Screening tests where not underlying disease has been detected
MATTERS YOU SHOULD KNOW
Cooling off Period ... If, having purchased the policy, you want to return it, you can do so within 21 days of receiving the Certificate of Insurance and obtain a full refund, provided no claim has been made and your trip has not commenced. The Cooling Off Period does not apply to policy or trip extensions.
Insurance Disclaimer: Where a person uses this site to purchase travel insurance the following terms, conditions and acceptance criteria apply. Insurance issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 AFS Licence 239545. Before deciding to acquire any insurance product, you should obtain and consider the relevant Product Disclosure Statement to decide if a policy is right for you. This material contains general information only and may not suit your particular circumstances. Cover limits apply as set out in the policy wording.
Global Surf Travel Insurance is a trading name of Global Surf Travel Pty Ltd ABN 79 083 338 649 P.O. Box 97 Burleigh Heads. QLD 4220. A distributor of QBE Insurance (Australia) Limited, we do not ask for, nor do we keep any of your personal details or information.
Disclaimer: You understand that the insurance contract is between you and QBE only and that Global Surf Travel Pty Ltd / Global Surf Travel Insurance is not the insurer of any risk and will not be liable for any damages, loss or claim whatsoever, in connection with the purchase of insurance from QBE Insurance (Australia) Limited.