What does a “stable” pre-existing condition mean?

"Stable" is the single most important word in visitor and Super Visa insurance. Getting it wrong is the most common reason claims are denied.

What is a pre-existing condition?

Any illness, injury or medical condition that existed before your coverage starts — for example high blood pressure, diabetes or a heart condition.

What does "stable" mean?

In general, a condition is considered stable when, during a set period before coverage starts (often 90 or 180 days), there has been:

• no new symptoms, or worsening of existing symptoms;
• no new diagnosis, tests or investigations;
• no change in treatment or medication (including dosage);
• no hospital visit or referral to a specialist.

The exact definition — and the length of the stability period, which often depends on age — is different for every insurer. It is always written in the policy wording.

An example

A visitor aged 65 takes the same blood pressure medication at the same dose for a year, with no changes. Under a plan with a 180-day stability period, that condition would usually be considered stable. If the doctor changed the dose two months before the trip, it usually would not be — and a related claim may not be covered.

How to protect yourself

• Choose a plan that covers stable pre-existing conditions if the traveller has any medical history.
• Answer every medical question accurately — ask us if you're unsure.
• Read the "Pre-existing" tab in our plan overviews, and the official policy wording.

This guide is general information, not advice for your situation. The insurer's policy wording always governs coverage.