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Planning a relaxing getaway? Don't let a surprise medical claim derail your dream holiday! Travel insurance is a vital safety net, but many Aussies unknowingly risk invalidating their policy. According to leading health and travel experts, there's one often-overlooked condition you absolutely must declare before you jet off: hearing loss.

It might seem surprising, but most types of hearing loss need to be disclosed to your insurer. Why? Because it's considered a pre-existing medical condition. Failing to declare it could mean your insurance company refuses to cover you for any medical expenses incurred overseas, leaving you with potentially crippling bills.

Why is Hearing Loss Considered a Pre-Existing Condition?

A pre-existing condition is any medical ailment you had before taking out your travel insurance policy. While the definition can vary between insurers, hearing loss, in its various forms (including age-related hearing loss, noise-induced hearing loss, and genetic conditions), is frequently flagged. This is because it might indicate an increased risk of needing medical attention while travelling, especially if you're travelling to a remote location or a country with limited healthcare facilities.

What Happens if You Don't Declare Your Hearing Loss?

The consequences of non-disclosure can be severe. If your insurer discovers you didn't declare a pre-existing condition, they have the right to:

• Reject any claims related to your hearing loss or complications arising from it.
• Cancel your policy and refuse to pay out any benefits.
• Void the entire policy, meaning you won't be covered for any medical expenses, even those unrelated to your hearing loss.

Imagine needing emergency medical attention in a foreign country and being denied coverage because you forgot to declare your hearing loss – a truly stressful and financially devastating scenario.

How to Declare Hearing Loss and Get the Right Cover

The process is simple, but crucial. When applying for travel insurance, be completely honest and upfront about your hearing loss. Here’s what to do:

• Answer all questions truthfully: Don't try to hide or downplay your condition.
• Provide details: Be prepared to describe the type of hearing loss, when it was diagnosed, and any treatments you're receiving.
• Consider specialist cover: Some insurers offer specialist policies designed for people with pre-existing medical conditions, including hearing loss. These policies may offer more comprehensive coverage at a slightly higher premium.
• Read the fine print: Always carefully review the policy wording to understand the insurer's definition of pre-existing conditions and the specific exclusions that may apply.

Protect Your Holiday Investment

Don't gamble with your health and finances. Declaring your hearing loss when applying for travel insurance is a small step that can save you a world of trouble. Enjoy your holiday knowing you're properly protected!

Disclaimer: This information is for general guidance only and does not constitute financial or medical advice. Always consult with a qualified professional before making any decisions about travel insurance.