We ask all travellers to declare existing medical conditions when getting a quote. Some conditions are automatically covered by our plans, while others may require an online health assessment. These are the steps to declare your existing medical condition:
When getting a quote using the Freely website or Freely app, you will be asked if any travellers on your policy have existing medical conditions to declare.
If you are declaring an existing medical that is not automatically covered, you will complete a short online health assessment. Once complete, we will inform you which conditions we can cover and which we cannot.
For existing medical conditions that we approve, you can choose to add additional cover to your base policy (premiums may apply). If we cannot provide cover, you can choose whether to proceed with a Freely policy that excludes cover for your existing medical conditions.
If you want to cover an existing medical condition that isn’t automatically covered by our plans, you’ll need to complete an online health assessment. We will only provide cover for existing medical conditions that meet the criteria set out in the PDS.
We cannot provide cover for claims arising from travel booked or undertaken against the advice of any medical practitioner.
All our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard - subject to the conditions set out in the PDS.
~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.
Build on your travel insurance plan by adding Trip Extras to get pay-per-day cover for activities like skiing, motorcycle riding and adventure sports, as well as increased limits for your valuable items and extra cancellation cover.
An existing medical condition is any health issue you already had before you bought your travel insurance. This could be a disease, an illness, a dental condition, a medical condition or a physical impairment.
At Freely, we consider your health issue an existing medical condition if any of the following criteria are met:
• You’ve visited an emergency department, been hospitalised or had day surgery in the past 12 months due to the condition;
• ou need prescription medicine from a qualified medical practitioner (such as a doctor), regular check-ups, ongoing medication or have to see a specialist about the condition;
• Your medical records show that you’ve had cancer or have problems with your brain, heart, kidneys, liver or respiratory system;
• You’ve had surgery involving the abdomen, back, joints or spine that required at least an overnight stay in hospital; or
• Your condition is medically documented as chronic, ongoing, under investigation, pending diagnosis or pending test results.
For full details on how we define existing medical conditions, please read the PDS. If you have questions, contact our customer support team.
If you choose not to declare any existing condition/s that are not automatically covered by our plans, your policy may not include cover for claims relating to – or exacerbated by – your existing medical conditions.
To get cover for existing medical conditions that are not automatically covered, you need to declare these in our online health assessment (additionally, Freely must agree to provide cover for the conditions you’ve declared).
Our PDS outlines each existing medical condition that we automatically provide coverage for (listed under ‘Existing medical conditions we automatically include’), along with the criteria you must meet in order to be covered.
As a general rule, you cannot have been hospitalised or required medical treatment for your condition in the past 12 months; you cannot be under or awaiting investigation; and you cannot be waiting on surgery, treatment or a procedure for that condition.
Travellers who don’t meet the criteria will need to complete our online health assessment and declare all their conditions, including those we automatically include.
For full details on which existing medical conditions are automatically covered, please read the PDS. If you have questions, get in touch with our customer support team.
These two parts of a travel insurance policy are easy to mix up. They live near each other on most insurance websites, they both involve the word 'medical', and the difference between them matters a fair amount when you're getting a quote. General medical cover on a standard travel insurance policy is generally designed to help with unexpected illness or injury that arises during a trip, the kind of thing nobody sees coming. Existing medical condition cover is generally designed to help with conditions you already have before you travel, subject to declaration and the assessment process. An additional premium may apply.
Only pay for the extra cover you need on the days you actually need it.
Update your policy on your trip so you can embrace travel spontaneity.
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