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  • Do I have to pay more if I have a pre-existing medical condition?

If you have a pre-existing medical condition, we will determine your Travel Insurance premium once you have filled out our pre-existing medical condition form and returned it to us no more than 10 days prior to your journey.

If you are over 75 years of age, it is compulsory for you to fill out a pre-existing medical condition form prior to travelling.

You can find the pre-existing medical form on our website.

^Online policy discount does not apply to Apia Health, Funeral, Travel or CTP insurance or Apia Roadside Assist and Home Assist optional cover (where applicable). Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Caravan, Motorhome, Boat, Travel & Compulsory Third Party Personal Injury (CTP) Insurance. Funeral Insurance and Injury Support insurance are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 (SLSL) under the Apia brand and distributed by Suncorp Financial Services Pty Ltd ABN 50 10 844 6210 (SFS). Health insurance is issued by nib health funds limited ABN 83 000 124 381(nib) a registered private health insurer and is arranged by Apia as an authorised agent of nib for which it receives a commission.

Apia, AAI, SFS and SLSL are subsidiaries of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). Products and services including banking, superannuation and insurance (including life insurance, home and car insurance) are provided by separate companies in the Suncorp Group.

Suncorp supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. For more information or to download the code click here.

Registered Office: Level 28, 266 George Street, Brisbane QLD 4000. Read the PDS on this website before making any decisions about this insurance. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.

*This offer is only available to new customers who don’t have equivalent cover and take out an Apia Health Insurance combined Hospital & Extras policy between 01/02/19 – 31/03/19. Applicable on services requiring a 2 or 6 month wait on chosen Extras cover. Longer waiting periods may apply for some services. Not available to existing AAMI, nib, Apia, Suncorp or Qantas Health Insurance customers or to previous policyholders who have joined and cancelled 6 months before or during the offer period. See full terms and conditions.