EMC...EXISTING MEDICAL CONDITION(S)... (Including Pregnancy)
Application for Existing Medical Condition cover is available online when quoting.
AGE LIMITS
If you are aged 70 years or over at the time the Certificate of Insurance is to be issued and you wish to purchase an International Travel Plan you must complete a Travellers Medical Appraisal Form when requested by QBE. You must complete Part A of the form and have your usual medical practitioner complete Part B and submit to QBE for approval, before the Certificate of Insurance can be issued. If your application is approved you will be advised of any restrictions that apply and you may be asked to pay an additional premium.
You must tell us if you or anyone in your travelling party has an existing medical condition. We will not pay any claim arising as a result of, or exacerbated by, or consequential upon your existing medical condition unless you have told us about it, we have agreed to cover you and you have paid any additional premium we ask for.
On the Annual Multi Trip Travel Plan, cover must be applied for before each trip taken during the period of insurance. Ask your distributor for a Medical Appraisal Form
(Cover not available on the Australian Cancellation and Additional Expenses Travel Plans)
All existing medical condition(s) (including pregnancy) must be disclosed to us prior to the issue of the Certificate of Insurance unless they are one of the conditions listed in the section headed Existing Medical Condition(s) (including pregnancy). Application for cover is available online when quoting and must be completed and submitted to QBE for approval, before the Certificate of Insurance can be issued. If your application is approved you will be advised of any restrictions that apply and you may be asked to pay an additional premium
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, and which is medically documented or under investigation 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, and for which treatment, medication, preventative medication, advice, preventative advice or investigation has 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 of booking a particular trip..
Note:
•
Where any condition is the subject of an investigation, that condition falls within this definition, regardless of whether or not a diagnosis of the condition has been made. This definition applies to you, your travelling party, your relatives, your business colleague, or any other person you have a relationship with whose state of health could impact your travel plans.
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.
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 Acne
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Allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy
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 Anaemia - including iron deficiency anaemia, B12 deficiency, Folate deficiency, pernicious anaemia
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 Asthma - not requiring cortisone medication and no hospitalisation for the past 12 months including as an outpatient
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 Bell's Palsy
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 Benign breast or renal cysts
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 Bunions
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 Carpal Tunnel syndrome
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 Cataracts, dry eye syndrome. Glaucoma, Macular degeneration
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 Coeliac Disease
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 Colonic Polyps
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 Congenital Blindness/Deafness
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Diabetes Mellitus Types 1 and 2 - where you have no known cardiovascular, hypertensive, vascular disease and no related kidney, eye or neuropathy complications.
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 Epilepsy - you have been seizure free for the past 12 months and do not require more than 1 anti-seizure medication
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 Goitre, hypothyroidism, Hashimotos disease, Graves disease
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 Gout
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 Hiatus Hernia/Gastro-oesophageal Reflux disease, Peptic Ulcer disease
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 High Cholesterol (Hypercholesterolaemia)
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 High Lipids (Hyperlipidaemia)
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 Insulin Resistance, Impaired Glucose Tolerance
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 Incontinence
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 Meniere's Disease, Tinnitus
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 Menopause
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 Migraines except where you have been hospitalised in the past 12 months
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 Nocturnal cramps
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 Osteoporosis - where there have been no fractures and you do not require more than 1 medication
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 Plantar Fasciitis
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 Raynaud's Disease
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 Sleep Apnoea
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 Stable High Blood Pressure (Hypertension)
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 Trigeminal neuralgia
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 Trigger finger
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 Routine Screening tests where not underlying disease has been detected
You do not have to take cover for your existing medical condition however there is no cover under this policy for any claim arising as a result of, or exacerbated by, or consequential upon your existing medical conditiion unless you have told QBE about it, QBE have agreed to cover you and you have paid any additional premium QBE ask for.
RESIDENTS OF AUSTRALIA

If you are a resident of Australia and:
*
 are under 70 years on the International Travel Plan
*
 are under 70 years on the Annual Multi Trip Travel Plan
*
 regardless of age on the Australian Travel Plan

And if you would like cover for your existing medical condition, application for cover is available online when quoting.
Complete the relevant section of the form and submit together with your application form for approval by QBE Insurance prior to the issue of the Certificate of Insurance. If required, the medical section must be completed by your usual doctor. If cover is granted, you may be asked to pay an additional amount and advised of any special terms imposed.
Under an International Travel Plan if you are 70 years of age or over at the time the Certificate of Insurance is to be issued, regardless of your state of health, cover is not automatically provided.
You must complete the application form, the relevant section of the Travellers' Medical Appraisal Form and submit the forms to QBE, for evaluation by QBE before a Certificate of Insurance can be issued. If cover is granted you will be notified, and if applicable, asked to pay an additional amount and advised of any special terms imposed.
What Forms Need To Be Completed To Apply For Existing Medical Condition Cover ?
INTERNATIONAL TRAVEL PLAN
0 - 69 Years requiring cover for EMC*
*EMC means an existing medical conditions(s)
Part A Yes - In some cases
also Part B to be completed
No
70 Years and Over regardless of state of health
Yes
Yes
ANNUAL MULTI TRIP TRAVEL PLAN
0 - 69 Years requiring cover for EMC*
*EMC means an existing medical conditions(s)
Yes - In some cases
also Part B to be completed
No
AUSTRALIAN TRAVEL PLAN
All age groups requiring cover for EMC*
*EMC means an existing medical conditions(s)
Yes - In some cases
also Part B to be completed
No
Existing Medical Conditions of a Non Travelling Relative or Business Partner
(Cover not available on the Deposit Protection and Australian Cancellation and Additional Expenses Travel Plans or to Non Residents of Australia or After Departure or if the Non Travelling Relative or Business Partner is 80 years of age or over.)
You may choose to take out cover to protect you if your trip is cancelled, cut short or disrupted due to an existing medical condition of a non-travelling relative or business partner. If you do not select this additional benefit there will be no cover if your trip is cancelled, cut short or disrupted as a result of your non-travelling relative’s or business partner’s existing medical condition unless you have told QBE about it, they have agreed to cover you and you have paid any additional premium QBE ask for. Apply for cover online when quoting, fill out the appropriate Travellers Medical Appraisal Form and submit to QBE for Approval.
If cover is granted you will be notified, and if applicable, asked to pay an additional amount and advised of any special terms imposed. Ask your Distributor about any restrictions that may apply due to age, duration or destination.
On the Annual Multi Trip Travel Plan, cover must be applied for before each trip taken during the period of insurance. Ask your Distributor for an application for a non travelling medical appraisal form.
PRIVACY POLICY
The Privacy Act 1988 (Cth) (the Act) regulates the way organisations such as QBE collect, use, protect and disclose personal information.
We are committed to safeguarding your privacy and the confidentiality of your personal information. QBE collects only that personal information necessary for it to assess and manage your insurance application or policy, including any claim that may be made under the policy. We will only use and disclose your personal information for a purpose you would reasonably expect. We will request your consent to any other purpose. If you do not provide QBE with this personal information we may not be able to process your application for insurance cover or process your claim.
We or our authorised agent may disclose your personal information to:
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 any person authorised by you;
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 an insurance agent who is arranging your insurance (for the purpose of confirming your personal and insurance details);
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 another person named as a co-insured on your policy (for the purpose of confirming if full disclosure has been made to us);
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 another insurer (for the purpose of seeking recovery from them or to assess insurance risks or to assist with an investigation);
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 an organisation who provides you with banking facilities (for the purpose of confirming payments made by you to us);
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 an airline, medical practitioner, treating doctor or emergency assistance provider (to establish your medical status and fitness to travel);
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a dispute resolution organisation, such as the Insurance Ombudsman Service (for the purpose of resolving disputes between QBE and you or between QBE and a third party);
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 a family member, in the case of a medical emergency;
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 our reinsurers, who may be located overseas;
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a mailing house, records management company or technology service provider (for printing and/or delivery of mail, including secure storage and management of our records);
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 our related entities, so that we may offer you other products and services;
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 a company to conduct surveys on our behalf for the purposes of improved customer services; and
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 an insurance reference bureau (to record any claims you make upon us).
In addition to the above, in the event of a claim, QBE or our authorised agent may disclose your personal information:
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 to a repairer or supplier (for the purpose of repairing or replacing your insured items);
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to an investigator, assessor, state or federal authority, medical practitioners, hospitals or other professional advisers (for the purpose of investigating or assessing your claim);
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a lawyer or recovery agent (for the purpose of defending an action by a third party against you or recovering our costs including your excess);
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 to a witness to a claim (for the purpose of obtaining a witness statement);
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to another party in a claim (for the purpose of obtaining a statement from them or seeking recovery from them or to defend an action by a third party).
Personal information (about you) may also be obtained from the above people or organisations.
In addition we will:
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give you the opportunity to find out what personal information we hold about you and, when necessary, correct any errors in this information. Generally we will do this without restriction or charge.
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provide our dispute resolution procedures to you, should you wish to complain about how we handle your personal information.
Our aim is to always have accurate and up-to-date information.
When you receive a Certificate of Insurance or other documents from us, you should contact us if the information is not correct. Where reasonably possible we will correct the information on our systems or held on file.
If you have a complaint or want more information about how QBE is managing your personal information, please contact the Compliance Manager using the contact details provided below. For security reasons, any request for details of personal information held by us should be made in writing to:
The Compliance Manager
QBE Insurance (Australia) Limited
GPO Box 82
Sydney NSW 2001
Telephone: (02) 9375 4656
Fax: (02) 8275 9022
Email: compliance.manager@qbe.com
HOW TO MAKE A CLAIM
Download a Claim Form here
Claims Enquiries:
Phone: (03) 8805 2741
Fax: (03) 8805 2723
Toll Free 1300 791 948
Email: travel.claims@qbe.com
Claims need to be supported by your original policy certificate of insurance. Original supporting reports and documentation such as police reports, doctor’s reports, transport provider’s reports, receipts, valuations or proof of ownership and sent to the address shown above. (Refer also to Section N of the Policy Wording) In the event of claims under some policy sections an excess will apply. Please refer to the Policy Wording.
Matters You Need To Know About
Cooling off Period ... If, having purchased the policy, you want to return it, you can do so within 14 days of receiving the Certificate of Insurance and obtain a full refund, provided no right or power has been exercised under it by you (eg no claim has been made) and your trip has not commenced. QBE's Distributor will arrange for a refund of the amount payable within 15 business days of you cancelling your policy. The Cooling Off Period does not apply to policy or trip extensions.
Confirming Transactions ... A Certificate of Insurance must be issued once you have completed your application form and you have paid the appropriate premium. If you want to confirm a transaction, for example whether the Certificate of Insurance has been issued, then you may contact us in writing or by phone
General Advice Warning [GAW] the advice has been prepared without taking into account the clients needs, objectives or financial situation. You should read the Product Disclosure Statement [PDS] relating to the product before making any decision about whether to acquire the product. You should be aware that exclusions do apply. For detailed information about the benefits, exclusions, and the process for making a claim please read the full Policy Wording attached to the policy
Global Surf Travel Pty Ltd (ABN 79 083 338 649) is an Authorised Distributor for QBE Insurance (Australia) Limited (ABN 78 003 191 035) AFSL 239545 Financial Services Guide