Important Statement regarding Travel Insurance and Pre-existing Medical conditions
You MUST disclose all material facts. A material fact is one that is
likely to influence the Insurer in accepting your insurance. This
could be the state of your health or that of a relative or person on
whom your travel plans depend or any hazardous activities. If you are
in any doubt as to whether a fact is 'material', you should call on 0844 249 9280. If you do not
disclose material facts, it may result in your claims being invalid.
Elect Travel Insurance Rules regarding Pre-existing medical conditions
If you are aware that you or any other person including a relative, travelling companion or close business associate has:
A. suffered from, received any form of medical advice, treatment or medication at any time for:
1. Any heart or circulatory related condition including hypertension, angina, stroke
2. Any lung or breathing related condition other than inhaler controlled, mild asthma, suffered in isolation
3. Any cancerous condition
4. Any kidney related disorder
Or
B. been admitted as an inpatient in hospital in the last 24 months for any medical condition other then those listed under “Accepted Conditions” below then cover for that condition. Failure to advise the Medical Pre-screening company of a pre-existing
medical condition will result in claims for those undisclosed conditions not being paid.
Please also note that there is no cover available for any pre-existing medical condition if you, or the person you are travelling with:
• are awaiting the results of medical tests or investigations
• are travelling against the advice of a medical practitioner
• are travelling for the purpose of obtaining medical treatment
• are on a hospital waiting list
• are receiving ongoing dialysis treatment
• have been given a terminal prognosis
• have a psychological condition (including anxiety, stress, depression, psychiatric or eating
disorders, phobias)
Accepted Medical Conditions
You do not need to contact the Medical Pre-screening company if the ONLY medical condition(s) appear in the following list
| Achilles tendon
injury |
| Acne |
| Allergy-not requiring prescriptive
treatment |
Asthma (Inhaler controlled mild Asthma suffered in isolation)
|
| Anal
fissure/fistula |
| ADHD (Attention
Deficit Hyperactivity Disorder |
| Benign
prostatic enlargement |
| Blindness |
| Broken
bone (not head or spine) |
| Carpal
tunnel syndrome |
| Cataracts |
| Chicken pox Eczema |
| Colitis (no hospital admissions in the
last 12 months) |
| Common cold/ |
| Corneal graft |
| Cosmetic surgery |
| Cuts and abrasions (non self inflicted) |
| Cyst-breast |
| Cyst-testicular |
| Cystitis |
| Deafness |
| Diarrhoea and/or vomiting |
| Dislocated hip (not replacement hip) |
| Dyspepsia |
| Epididymitis |
| Fungal nail infection |
| Essential tremor |
| influenza |
| Gastric
reflux |
Glandular fever
|
| Glaucoma |
Gout
|
| Haemorrhoids |
| Hay fever |
| Hernia (not
hiatus) |
| Hip
replacement |
| HRT
(hormone replacement therapy |
| Hyperthyroidism (overactive
thyroid) |
| Hypothyroidism (underactive
thyroid) |
| Hysterectomy |
| IBS
(Irritable Bowel Syndrome) |
| Impetigo |
| Macular
degeneration |
| Menorrhagia |
Migraine (confirmed diagnosis, no
ongoing Uticaria investigations)
|
| Myalgic Encephalomyelitis (if only
symptom and that the client is fit to travel) |
| Nasal polyps |
| Neuralgia, Neuritis |
| Osteochondritis |
| Pelvic inflammatory disease |
| Pregnancy (no complications |
| Psoriasis |
| Reflux oesophagitis |
| Retinal detachment |
| Rheumatism |
| Rhinitis |
| Shoulder injury |
| RSI (repetitive strain injury) |
| Shingles |
| Sinusitis |
| Sleep Apnoea |
| Tendon injury |
| Tinnitus |
| Tonsillitis |
| Varicose veins-legs only (if GP has
confirmed traveller is fit to travel) |
Pregnancy
As is consistent with the treatment of all pre-existing medical conditions under the Policy, the Policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The Policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip.