The reason why I take out an additional paid policy is that credit card insurance won’t accept claims for pre existing medical conditions.
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It depends on the pre existing though. Mine can cause a stroke.You can get pre existings covered with Alianz as I did so through a Westpac card for my parents and I believe ANZ also offers this. The fees they paid for this option was still cheaper than purchasing a stand alone policy.
It depends on the pre existing though.