What is a Pre-Existing Medical Condition

Answer:

At any time in the 5 years prior to the Cover Start Date; date of any increase of the Benefit (but only in respect of the increase); or a Policy reinstatement date, a Pre-Existing Medical Condition is any condition, sickness, injury or disability:

the Life Insured has been subject to; or
for which the Life Insured experienced signs or symptoms leading to the diagnosis of the condition, sickness, injury or disability (regardless of whether the diagnosis occurred before or after the Cover Start Date) or that the Life Insured or any reasonable person would have been aware of the existence of such signs or symptoms; or
for which medical advice, treatment or medical investigation was recommended by, or received from a registered doctor or health professional.

Additionally, if the Life Insured suffers a stroke, brain haemorrhage, heart attack or coronary heart disease and passes away or develops a Terminal Illness as a result of any of the below conditions experienced in the five years prior to the Cover Start Date; date of any increase of the Benefit (but only in respect of the increase); or a Policy reinstatement date, it will be considered to be Pre-Existing Medical Condition and no Quick Life Benefit will be paid:

A Body Mass Index (BMI) of 40 or greater; or
A total blood cholesterol above 7.0mmol/L; or
A resting systolic blood pressure above 160 mmHg and resting diastolic blood pressure above 100 mmHg on 3 separate assessments from a health care provider; or
Is/was a diabetic suffering any of the following – proteinuria or kidney disease or retinopathy or neuropathy; or was admitted to hospital for treatment of diabetes or any condition resulting from diabetes.

Contact Momentum Life for more information, or refer to the Policy Wording. For examples of how the Pre-Existing Medical Conditions work download our Product Exclusions Fact Sheet.

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