When applying for cover we do not ask you to have a medical or do we ask you for any medical history questions. It’s simple. You will NOT be covered for a personal injury or on-going medical condition for which you have received a doctor’s consultation or advice, treatment, or have had symptoms, during the 24 months prior to the date of an accident causing bodily injury claimed for under this policy.
A pull or minor tear to the ligament or tendon. Mobility is not greatly affected, and there is no lasting damage. Recovery time is usually two to seven days. This type of ligament or tendon tear is not covered.
A more significant tear to the ligament or tendon, but not a complete rupture – normally requires three weeks to a month of limited mobility, heals by itself with rest and no pressure/impact. This type of ligament or tendon tear is covered.
A full rupture of the ligament or tendon – recovery time is up to 6 months, and often requires surgery. This type of ligament or tendon tear is covered.
This is a mild strain, where only a few muscle fibres are stretched or torn. Although the injured muscle is tender and painful, it has normal strength. This type of muscle tear is not covered.
This is a moderate strain, with a greater number of injured fibres and more severe muscle pain and tenderness. There is also mild swelling, noticeable loss of strength and sometimes a bruise. This type of muscle tear is not covered.
This strain tears the muscle all the way through. Grade III strains cause complete loss of muscle function, as well as considerable pain, swelling, tenderness and discoloration. Grade III strains usually cause a sharp break in the normal outline of the muscle, so there may be an obvious “dent” or “gap” under the skin where the ripped pieces of muscle have come apart. This type of muscle tear is covered.