A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which existed at any time 6 months prior to the date your cover commences. This includes an undiagnosed ailment, illness or condition that was present at the time your cover commences.
For example, if you have been diagnosed with asthma within 6 months before the date your cover commences, this will be considered a pre-existing condition. You will need to wait the applicable waiting period before cover will be provided.
A pre-existing condition is determined by a medical practitioner, appointed by us, at the time of a claim arises. In forming an opinion, our appointed medical practitioner will refer to any information in relation to the ailment, illness or condition that your doctor provides us.