Rock Insurance with Europ Assistance

Important Medical Health Requirements

You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.

This insurance operates on the following basis:
1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad.
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless:

* You have declared that condition to Us; and
* You have declared any changes in Your health or prescribed medication; and
* We have accepted that condition for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition (other than the Waived Conditions listed) must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip. Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.

Pre-existing Medical Condition

For the purposes of this insurance, a Pre-existing Medical Condition is considered to be:

1. Any past or current Medical Condition (any medical or psychological disease, sickness, condition, illness or injury) 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 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.

We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover, and, if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on:

0870 737 6377

You will be asked further questions about the condition(s) and an additional premium may be payable to cover the declared condition(s).

IMPORTANT LIMITATIONS - CANCELLATION, CURTAILMENT & TRIP INTERRUPTION COVER

This policy will NOT cover any Cancellation, Curtailment or Trip Interruption claims 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:

a) had required surgery, inpatient treatment or hospital consultations; or
b) had 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;
OR
d) if a terminal diagnosis had been received at any time prior to the commencement of the Period of Insurance.

You should also refer to the General Exclusions.

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.

• Abnormal Smear Test • Achilles Tendon Injury • Acne • Acronyx (Ingrowing Toe-nail) • Adenoids • Allergic Rhinitis • Alopecia • Anal Fissure/Fistula • Appendectomy • Astigmatism • Athlete's Foot (Tinea Pedis) • Attention Deficit Hyperactivity Disorder • Bell's Palsy (Facial Paralysis) • Benign Prostatic Enlargement • Bladder Infection (fully recovered, no hospital admissions) • Blepharitis • Blindness • Blocked Tear Ducts • Breast - Fibroadenoma • Breast Cyst(s) • Breast Enlargement/Reduction • Broken Bones (other than head or spine) – (no longer in plaster) • Bunion (Hallux Valgus) • Bursitis • Caesarean Section • Candidiasis (oral or vaginal) • Carpal Tunnel Syndrome • Cartilage Injury • Cataracts • Cervical Erosion • Cervicitis • Chalazion • Chicken Pox (fully resolved) • Cholecystectomy • Chronic fatigue syndrome (if only symptom is fatigue) • Coeliac Disease • Cold Sore (Herpes Simplex) • Colitis (simple) • Common Cold(s) • Conjunctivitis • Constipation • Corneal Graft • Cosmetic Surgery • Cyst - Breast • Cyst - Testicular • Cystitis (fully recovered, no hospital admissions) • Cystocele (fully recovered, no hospital admissions) • D & C • Deaf Mutism • Deafness • Dental Surgery • Dermatitis (no hospital admissions or consultations) • Deviated Nasal Septum • Diarrhoea and/or Vomiting (resolved) • Dilatation and Curettage • Dislocated Hip • Dislocations • Dry Eye Syndrome • Dyspepsia • Ear Infections (resolved - must be all clear prior to travel if flying) • Eczema (no hospital admissions or consultations) • Endocervical Polyp • Endocervicitis • Endometrial Polyp • Epididymitis • Epiphora (Watery Eye) • Epispadias • Epistaxis (Nosebleed) • Erythema Nodosum • Essential Tremor • Facial Neuritis (Trigeminal Neuralgia) • Facial Paralysis (Bell's Palsy) • Femoral Hernia • Fibroadenoma • Fibroid - Uterine • Fibromyalgia

• Fibromyositis • Fibrositis • Frozen Shoulder • Gall Bladder Removal • Ganglion • Glandular Fever (full recovery made) • Glaucoma • Glue Ear (resolved - must be all clear prior to travel if flying) • Goitre • Gout • Grave's Disease • Grommet(s) inserted (Glue Ear) • Gynaecomastia • Haematoma (external) • Haemorrhoidectomy • Haemorrhoids (Piles) • Hallux Valgus (Bunion) • Hammer Toe • Hay Fever • Hernia (not Hiatus) • Herpes Simplex (Cold Sore) • Herpes Zoster (Shingles) • Hip Replacement (no subsequent arthritis) • Hives (Nettle Rash) • Housemaid's Knee (Bursitis) • HRT (Hormone Replacement Therapy) • Hyperthyroidism (Overactive Thyroid) • Hypospadias • Hypothyroidism (Underactive Thyroid) • Hysterectomy (provided no malignancy) • Impetigo • Indigestion • Influenza • Ingrowing Toe-nail (Acronyx) • Inguinal Hernia • Insomnia • Intercostal Neuralgia • Intertrigo • Irritable Bowel Syndrome (IBS) • Keinboeck's Disease • Keratoconus • Knee Injury - Collateral/cruciate ligaments • Knee Replacement (no subsequent arthritis) • Kohlers Disease • Labyrinthitis • Laryngitis • Learning Difficulties • Leptothrix • Leucoderma • Lichen Planus • Ligaments (injury) • Lipoma • Macular Degeneration • Mastitis • Mastoidectomy (resolved - must be all clear prior to travel if flying) • Menopause • Menorrhagia • Migraine (provided this is a definite diagnosis and there are no ongoing investigations) • Miscarriage • Mole(s) • Molluscum Contagiosum • Myalgia (Muscular Rheumatism) • Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue) • Myxoedema • Nasal Infection • Nasal Polyp(s) • Nettle Rash (Hives) • Neuralgia, Neuritis • Nosebleed(s) • Nystagmus • Obstructive Sleep Apnoea • Osgood-schlatter's Disease • Osteochondritis • Otosclerosis • Overactive Thyroid

• Parametritis • Pediculosis • Pelvic Inflammatory Disease • Photodermatosis • Piles • Pityriasis Rosea • Post Viral Fatigue Syndrome (if the only symptom is fatigue) • Pregnancy (provided no complications) • Prickly Heat • Prolapsed Uterus (womb) • Pruritis • Psoriasis (no hospital admissions or consultations) • Repetitive Strain Injury • Retinitis Pigmentosa • Rhinitis (Allergic) • Rosacea • Ruptured Tendons • Salpingo-oophoritis • Scabies • Scalp Ringworm (Tinea Capitis) • Scheuermann's Disease • Sebaceous Cyst • Shingles (Herpes Zoster) • Shoulder Injury • Sinusitis • Skin Ringworm (Tinea Corporis) • Sleep Apnoea • Sore Throat • Sprains • Stigmatism • Stomach Bug (resolved) • Strabismus (Squint) • Stress Incontinence • Synovitis • Talipes (Club Foot) • Tendon Injury • Tennis Elbow • Tenosynovitis • Termination of Pregnancy • Testicles - Epididymitis • Testicles - Hydrocele • Testicles - Varicocele • Testicular Cyst • Testicular Torsion (Twisted Testicle) • Throat Infection(s) • Thrush • Thyroid - Overactive • Thyroid Deficiency • Tinea Capitis (Scalp Ringworm) • Tinea Corporis (Skin Ringworm) • Tinea Pedis (Athlete's Foot) • Tinnitus • Tonsillitis • Tooth Extraction • Toothache • Torn Ligament • Torticollis (Wry Neck) • Trichomycosis • Trigeminal Neuralgia • Turner's Syndrome • Twisted Testicle • Umbilical Hernia • Underactive Thyroid • Undescended Testicle • Urethritis (fully recovered, no hospital admissions) • URTI (Upper Respiratory Tract Infection) (resolved, no further treatment) • Urticaria • Uterine Polyp(s) • Uterine Prolapse • Varicocele • Varicose Veins - legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel) • Vasectomy • Verruca • Vertigo - provided no disabling episodes • Vitiligo • Warts (benign, non-genital) • Womb Prolapse (uterus) • Wry Neck (Torticollis)