After you open your Club M Account you will be asked to contact AIG if you answer “yes” at any of the questions below:
1. In the last 12 months you or anyone else insured on the policy has been:
1.1. Referred to see a specialist or on a waiting list to see a specialist
1.2. Referred to or attended hospital for any reason (including tests and procedures) or on a waiting list to attend hospital for any reason
1.3. Seen by a medical practitioner more than once for the same condition
1.4. Prescribed two or more medications for a medical condition or had any changes to your or their current medications
2. You or anyone else insured on the policy has ever received any medical advice, treatment or medication for any of the following conditions
2.1. Any heart or circulatory condition
2.2. Any cerebrovascular condition such as a stroke, aneurysm, stenosis (but not low/high blood pressure or cholesterol)
2.3. Any respiratory (breathing) condition which is combined with being a smoker
2.4. Any congenital (birth defect) or genetic condition that has resulted in a physical disability
2.5. Any cancerous condition
2.6. An organ transplant
AIG will let you know if your condition can be covered at no extra cost, at an additional premium or they cannot provide cover.