Pre-existing Medical Conditions

Pre-existing Medical Conditions are not covered under this policy. The term "Pre-existing Medical Condition" has a special meaning and is defined below:

  1. An ongoing injury, medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist;
  6. Pregnancy.

This definition of pre-existing medical condition applies to you, your companion(s), dependant(s) or any other person.