Pre-existing medical conditions refers to any allergy, physical condition or illness (including any direct or indirect complications, which may arise) where:
- Signs or symptoms were present which you were aware of or should reasonably have been aware of; or
- You received, or were recommended to receive medical advice, tests, treatment, diagnosis or were prescribed drugs in the 12 months before the start of your trip.
For an annual plan, any medical condition for which a claim has been made for a previous trip will be deemed as a pre-existing medical condition for any future trips.