13 January 2006

PRE-EXISTING MEDICAL CONDITIONS

Conditions no longer considered to be Pre-Existing
In addition to mild asthma we have increased the number of conditions no longer requiring assessment and/or surcharges to be applied. You will be automatically covered provided the condition meets the definition provided.

The following conditions are not considered to be Pre-Existing Medical Conditions:

Asthma – provided you use no more than 2 inhalers and have not required oral medication or a nebulizer within the last 6 months.

High Blood Pressure/Hypertension – provided your condition is stable on medication with no blood pressure readings exceeding 156/94 within the last 6 months.

HRT/Menopause Syndrome – for menopausal symptoms only.

Ear Grommets – provided these have not been inserted and have not required antibiotics within the last 2 months.

Cataracts – provided you have not required surgery within the last 2months and are not on a medical waiting list.

Hay Fever – provided you have not required antibiotics or seen a doctor for hay fever within the last 3 months.

Hypercholesterolemia (high cholesterol) – provided you are taking medication and have no other condition except hypertension as defined above.

Gord/Gastric Oesophageal Reflux Disease (Indigestion) – provided this is controlled with regular medication.

Hypothyroidism – provided this is controlled with medication.

Compulsory Medical Certificates
The age band has been lifted from 70 years to 76 years or over, where a medical certificate is required, regardless of the destination.

INCREASED BENEFITS

Luggage & Personal Effects
Cover will be increased as follows:

LEISURE POLICIES
Single Item Limit has been extended to $1,500 instead of $1,000
The Money section has been extended to cover up to a maximum of $750 instead of $500
The Mislaid Luggage Section has been extended to cover up to a maximum of $1,500 instead of $500

PACIFIC RIM POLICIES
Single Item Limit has been extended to $750 instead of $500
Money cover of up to a maximum of $250 has been introduced into the product
Mislaid luggage cover has been extended to cover up to a maximum of $250 instead of $200

LEISURE POLICIES
Personal Bodily Injury cover has been extended to cover up to $75,000 instead of $50,000

PACIFIC RIM POLICIES
Personal Bodily Injury cover has been introduced up to $10,000

LEISURE POLICIES
Personal Liability cover has been extended to cover up to $2.5 Million instead of $2Million

PACIFIC RIM POLICIES
Personal Liability cover has been introduced up to $2.5 Million