pre-existing medical condition

means a condition, sickness, injury or disability which:

  • you knew you were subject to; or
  • you had signs or symptoms that led to its diagnosis (whether or not the diagnosis happened before or after the cover start date); or
  • there were signs or symptoms of, that you should have (or another reasonable person would have) seen a medical practitioner about, for a diagnosis, advice, care or treatment; or
  • you were recommended or received medical advice, treatment or medical investigation from a registered doctor or health professional about (whether diagnosed or not) 

within the 5-years before the cover start date of your policy (or the cover start date of any increase in cover if you decide to add a Cover Booster later on, or the date we agree to restart your cover after it is cancelled).