Our policies do not provide any automatic cover for Pre-Existing Medical Conditions.
In relation to these policies, a Pre-Existing Medical Condition means, in relation to you, or any relative, travel companion or any other person whose state of health may affect your journey;
a) any physical impairment, disorder (including but not limited to mental), addiction (including but not limited to alcohol and drug), condition or disease, diagnosed or otherwise, which
(i) You are aware of, or;
(ii) You have received medical treatment, medical advice or for which You have taken prescribed medication, in the six (6) month period before the Cardholder activated cover under this policy for the Journey and up until Your departure from New Zealand.