Medical Questionnaire
The medical questionnaire will place you into one of five categories and forms part of your insurance policy.
When completing the medical questionnaire:
- Take your time. The questionnaire may take up to 10 minutes to complete.
- Read each question carefully and provide truthful and correct answers to each question. Incorrect answers may lead to cancellation of your coverage.
- Have your prescriptions or a description of your medication nearby for reference
- A printer-friendly version (Adobe* Reader* software required) of the questionnaire is available should you wish to print a copy and complete it with the assistance of your physician. Once complete, simply sign back into Online Banking and transfer your answers to the online version.
- Review the answers you have provided to the questionnaire and confirm that they are correct.
FAQs Medical Questionnaire Terms
1. What do you consider a heart condition?
A heart condition is ANY condition involving your heart. If you are unsure if you have ever had a heart condition, please consult your doctor. Heart conditions include, but are not limited to the following:
- Angina (or chest pain coming from your heart)
- Myocardial infarction (heart attack)
- Atrial fibrillation
- Heart failure (water on the lungs or swelling of the ankles)
- Heart valve problems
- Irregular heart beat for which your doctor has prescribed medication, or for which you have had surgery, treatment or a pacemaker
- Rapid or slow heart rates for which your doctor has prescribed medication, or for which you have had surgery or a pacemaker
- Heart murmur (however, if you had a murmur as a child and no longer have the murmur as an adult, this does not count)
- If you have a pacemaker, then you have a heart condition
2. I had chest pain and after undergoing testing, my doctor told me my pain was not related to my heart, how do I answer questions asking about a heart condition?
Since your doctor has told you that you do not have a heart condition, then you do not have a heart condition as asked in Section 1, Question 1 and Section 2, Question 4.
3. I had a small heart attack about 10 years ago, I am not on any medication and I have not had any problems since. How do I answer the heart question(s)?
You have had a heart condition for the purpose of the heart questions (Section 1, Question 1 and Section 2, Question 4).
4. I once had an episode of palpitations, how do I answer the heart question(s)?
If you have received medication or other treatment to stop the palpitations then you have a heart condition for purposes of answering Section 1, Question 1 and Section 2, Question 4.
If you have not had any treatment for the palpitations, then you do not have a heart condition for the purpose of answering Section 1, Question 1 and Section 2, Question 4.
5. I am taking medicine to treat my high blood pressure. Is this considered a heart condition?
High blood pressure is not a heart condition for purposes of this questionnaire. However, you must answer 'Yes' to Section 2, Question 3.
A lung condition can have several names, if you are unsure, please speak with your doctor. Lung conditions include, but are not limited to the following conditions:
- Asthma
- Bronchitis (including chronic bronchitis)
- Pneumonia
- Chronic obstructive pulmonary disease (COPD)
- Emphysema
- Asbestosis
- Fibrosis of the lungs
- Respiratory failure
- Lung cancer
7. Earlier this year, I was diagnosed with pneumonia and was treated only with antibiotics for 10 days. I was not admitted to hospital. How do I answer Section 2, Question 6?
You can answer 'No' to Section 2, Question 6 as it pertains to lung conditions. If you required treatment with puffers during or after your illness or you were admitted to hospital, you must answer 'Yes' to Section 2, Question 6.
8. My doctor told me that I have emphysema (or any other lung condition) and prescribed puffers, but I do not take them, how do I answer Section 2, Question 6?
Your answer to Section 2, Question 6 is 'Yes.'
9. My doctor prescribed puffers to prevent me from coughing, how do I answer Section 2, Question 6?
Your answer to Section 2, Question 6 is 'Yes.'
10. My doctor prescribed me medicine to prevent high blood pressure. How do I answer Section 2, Question 3?
Your answer to Section 2, Question 3 is 'Yes.'
11. My doctor prescribed for me medicine to treat diabetes, how do I answer Section 2, Question 7 b)?
Your answer to Section 2, Question 7 b) is 'Yes.'
12. I had a stroke two years ago. My doctor has prescribed plavix (or ticlid). How do I answer Section 2, Question 7 a)?
Your answer to Section 2, Question 7 a) is 'Yes.'
13. I was treated for bowel cancer 5 years ago. I saw my doctor for a checkup and I was told I was cancer free, does my check up count?
You can answer 'No' to Section 2, Question 7 g) as it pertains to cancer. Follow up visits do not count if there were no findings of cancer or treatment provided.
14. I had surgery, radiation and chemotherapy for breast cancer 7 years ago. My doctor has prescribed tamoxifin to prevent recurrence. How do I answer Section 2, Question 7 g)?
Your answer to Section 2, Question 7 g) is 'Yes.'
15. I have a strong family history of breast cancer. I have never been diagnosed with breast cancer. My doctor has prescribed tamoxifin to prevent me from developing this medical condition. How do I answer Section 2, Question 7 g)?
As you have never been diagnosed with this medical condition, you can answer 'No' to Section 2, Question 7 g) as it pertains to treatment for cancer.
16. I have haemorrhoids, is this considered gastrointestinal bleeding?
No; for the purposes of this questionnaire, you can answer 'No' to Question 7 f).
17. I had tests to see why I had blood in my stool. I had an ulcer. How do I answer Section 2, Question 7 f)?
Your answer to Section 2, Question 7 f) is 'Yes.'
18. What is peripheral vascular disease (Section 2, Question 7 e)?
This condition involves poor blood circulation, most often involving the legs and feet. It results from decreased circulation to the feet and legs. Like any medical condition, if you are unsure if you have this condition, speak to your doctor
If you have been prescribed medicine or a course of care by a doctor or have sought care from a licensed practitioner, you will be considered to have received treatment for a medical condition or injury. The following are used to treat medical conditions:
- Medication
- Radiation treatment
- Chemotherapy
- Physiotherapy
- Dressing changes
- Chiropractic treatment or adjustments
- Psychotherapy
- Diet
- Oxygen
- Counselling for a mental health disorder
- Surgery
- Pacemaker
- Any procedure performed by a doctor to treat your medical condition or injury (including angioplasty, abalation, excision & drainage).
20. My doctor has told me that I may have a heart condition (or any other medical condition). He has ordered other tests and /or referred me to a specialist. If I travel, will my insurance cover me for this condition as a diagnosis has not been confirmed?
It is reasonable to expect that NO emergency travel medical insurance will cover you in this case. For reasons of personal financial risk (and the availability of care depending on where you travel) it is wise to stay home and wait for your investigations and doctor's assessment to be complete, BEFORE you travel. If you have any questions, contact the company who sold you your travel insurance. Although your doctor is your best reference for medical information and care, he/she may not understand your travel insurance policy and the limitations. TRAVEL SMART, be informed and be insured.
