Insuring Pre-existing Medical Conditions

If you have an existing medical condition that you are aware of, you will need to apply for pre-existing medical conditions cover as you are NOT automatically covered for pre-existing medical conditions. Your pre-existing medical conditions cover can be arranged in certain circumstances.

If you require cover for pre-existing medical conditions, please complete Section 2 of our application form and return the form to us either by fax on +64 3 3790252 or scan and email to service@orbitprotect.com.

Upon receipt of your completed form, our medical team will be in touch to assess if we could provide cover for your existing medical condition. You will be charged an additional fee of NZ$40 for the assessment. You will be notified of the outcome of the assessment via email provided on your application form.

Please note that should we accept your application to include the pre-existing medical conditions as part of your policy, we will provide cover for acute episodes of your condition only, not for any ongoing maintenance treatment of your condition (maintenance treatment means regular treatment / medication to keep your condition under control).

Click here to download our application form.