Pre-existing Medical Conditions

Our policies do not provide automatic cover for pre-existing medical conditions.

In relation to these policies, a pre-existing medical condition means,

(a) Any physical defect, condition, disease or symptom, diagnosed or otherwise, of which you are aware or for which you have received medical treatment, medical advice or for which you have taken prescribed medication, in the thirty (30) day period before you purchased the travel for the journey and up until your departure from New Zealand; and

(b) Any physical defect, condition, disease or symptom, diagnosed or otherwise, for which any relative, travelling companion or any other person whose state of health will affect your journey, has to your knowledge received medical treatment, medical advice or taken prescribed medication, in the thirty (30) day period before the time you purchased the travel for the journey and up until your departure from New Zealand.

How do I apply for Pre-existing Medical Condition cover?

If you would like us to consider cover for a pre-existing medical condition, enter your trip details here and tell us if you or your accompanying family members would like to cover pre-existing medical conditions. You will need to answer basic screening questions to confirm your trip is covered. You will also be asked to declare your pre existing medical conditions to us and answer questions specific to those conditions.

You will need to declare each and every condition that meets the policy definition of a pre-existing medical condition and any other condition that you feel is relevant to your current state of health.

The information you provide will be used to assess if we can accept your cover application and the premium that will be required for such cover.

If you are applying to cover accompanying family members, please ensure that you have authority to disclose their personal information to us. We recommend your family members review the medical declaration and validate that it is correct and that they have no other medical conditions relevant to our decision to accept or decline the application. A copy of the declaration will be available to you once completed.

Important information about Pre-Existing Medical cover applications

- If we accept your application, then a premium will apply.
- You are not obliged to purchase cover where it is available.
- Application for pre-existing medical conditions is assessed on a per trip basis. You will need to re-apply for each and every trip.
- Each medical assessment is considered based on the trip in question and the outcome of an application can change for a different trip, even if your medical conditions are unchanged.
- We will provide you with a copy of your medical declaration. You should check this and advise of any errors that may have been made.
- If your health status changes after purchasing cover for your pre-existing medical conditions and you are yet to depart for your trip, you should contact us as we may need to reassess your application.
- Where we are no longer able to cover your pre-existing medical conditions because of a change in your health status and you no longer want to continue with your planned travel, then you may be able to submit a claim for cancellation of travel.

AIG

BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy.

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.