A pre-existing condition means injury, illness, condition or symptom that the cardholder:
(a) was aware of, or a reasonable person in the cardholder’s position should have been aware of, and
(b) would have, or should have, sought advice or treatment from a registered medical practitioner or other health professional for (in circumstances where a reasonable person in the cardholder’s position would have sought advice or treatment) in the 12 months prior to the cardholder’s start date.
For example, if the cardholder was diagnosed with a melanoma three years prior to their start date, then the cardholder will not be covered under the policy for the melanoma or any death, illness or injury related to that condition if the cardholder sought advice or treatment for the melanoma within the 12 months prior to the cardholder’s start date. If during the 12 months prior to the start date, the cardholder was undertaking routine skin examinations to ensure the melanoma had not re-appeared and as long as those skin examinations showed no presence of the melanoma then this will not be deemed as seeking advice or treatment and the pre-existing condition exclusion will not apply.