Pre Existing Health Conditions

Important Medical Health Requirements This travel insurance operates on the basis that:
a) You must be healthy, fit to travel and to undertake your planned trip;
b) You are not travelling against the advice of a medical practitioner or would be had you sought his/her advice;
c) You are not travelling with the intention of obtaining medical treatment or consultation abroad;
d) You do not have any undiagnosed symptoms that require attention or investigation in the future (i.e symptoms for which you are awaiting investigations/consultations, or are awaiting results of investigations, and where the underlying cause has not been established).

Claims arising directly or indirectly from any Pre-existing medical condition affecting any person travelling under this insurance are not covered unless you declare all conditions to our Medical Screening Helpline, prior to commencement of the trip and they are accepted for insurance in writing. (See the waived conditions list and acceptance criteria shown below).
For the purposes of this insurance, a Pre-Existing Medical Condition is defined as:
• any past or current medical condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 12 months prior to the commencement of cover under this policy and/or prior to any trip; and
• any cardiovascular or circulatory condition (e.g heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip. Has anyone travelling under this policy:
• been prescribed any medication, received any treatment, or attended any consultations, investigations or follow-ups, for any medical or psychological conditions in the last 12 months?
Ever been prescribed medication, received treatment or had investigations, for: • A heart attack, angina, chest pain(s), or any other heart condition?.
• High blood pressure, blood clots, raised cholesterol, aneurysm or circulatory disease?
• Any form of stroke, TIA A(transient ischaemic attack) or brain haemorrhage?
If you have answered ‘Yes’ to any of the above questions in respect of yourself or anyone travelling under this policy, you must contact our Medical Screening Helpline by telephone on 0845 250 5206 to declare the condition(s) and ensure that the cover will meet your needs. Our trained operators will ask you a few simple questions about your intended trip and the medical condition. You will be advised as to whether your pre-existing medical condition can be covered and whether there will be an additional premium to pay or any changes to the policy terms and conditions. This quotation is valid for 30 days from the date given. If cover can be provided, you will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover. Please read this letter carefully and keep it with your insurance documents as it confirms the terms of the cover. Please note that cover is not effective until you are in receipt of this letter.
The Medical Screening Helpline is open Mon – Fri 9am to 8pm, Sat 10am to 5pm and Sunday 11am to 4pm. Telephone : 0845 250 5206

Changes in Your Health
Each person who has a pre-existing medical condition must make a medical health declaration before each Period of insurance. However, you must also declare any changes in your health or prescribed medication prior to departing on any trip. Failure to declare any changes in your state of health may invalidate the policy.

Waived Conditions
The following medical conditions are covered subject to the normal terms and conditions of this insurance and need not be declared to the Medical Screening Helpline, provided the insured Person can meet ALL of the following criteria:
a) has NO other Pre-existing Medical Condition(s) which is not listed below; and
b) is not awaiting surgery for the condition; and
c) has been fully discharged from any post-operative follow-up.

IMPORTANT NOTE: IF THE INSURED PERSON DOES NOT MEET ALL OF THE CRITERIA SHOWN ABOVE THEN A FULL AND COMPLETE DECLARATION OF ALL PRE-EXISTING MEDICAL CONDITIONS (INCLUDING ANY LISTED BELOW) MUST BE MADE TO THE MEDICAL SCREENING HELPLINE.

In addition to any medical condition shown under the ‘Waived Conditions’ list above, you may be automatically accepted for cover if you have ONLY ONE of the following conditions provided you have NO other Pre-existing Medical Conditions:

Asthma
• Condition must have been diagnosed prior to age 50.
• No diagnosis made of chronic airways disease (eg chronic bronchitis or emphysema)
• Mild symptoms only; well controlled with no more than 2 medications
• No nebulizer/home oxygen (ever); no hospital admissions (ever)
• Must not have smoked any form of tobacco for at least 12 months
• Must be able to walk 00 yards on the flat without becoming short of breath

Diabetes Mellitus: Type (Non-insulin dependent) only
• Well controlled by diet and/or 1 medication only
• No hospital admissions or diabetic complications (ever)
• Must not have smoked any form of tobacco for at least 1 months

IMPORTANT NOTE: If the insured person has any other pre-existing medical condition(s) or if the medical condition does not meet all of the criteria shown above, a full and complete declaration of all pre-existing medical conditions (including any listed above) must be made to the medical screening helpline.

Important Limitations – Cancellation, curtailment and trip interruption cover
This policy will not cover any claims under Section 5 (Cancellation, Curtailment and Trip interruption Cover) arising directly or indirectly from a Pre-existing medical condition (known to you prior to the commencement of the period of insurance) affecting any:
• Close relative who is not travelling as an insured person under this policy; or
• Travelling companion who is not insured under this policy; or
• Person with whom you intend to stay whilst on your trip
If, during the 90 days immediately prior to the commencement of the period of insurance they had:
a) required surgery, inpatient treatment or hospital consultations
b) required any form of treatment or prescribed medication
c) were on a waiting list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the period of insurance
d) had received a terminal diagnosis

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