Health Conditions - IMPORTANT HEALTH REQUIREMENTS

Medical Warranty

This policy excludes all claims relating directly or indirectly to Pre-Existing Medical Conditions that affect You, Your travelling companions or anyone else upon whom Your travel plans may depend, such as a Close Relative.

This policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond Your reasonable control and excludes all cover for Pre-Existing Medical Conditions unless disclosed to Us and We agree cover or You have only ONE Medical Condition which is listed as an Accepted Condition below.

Important Medical Questions

 Anyone named under this policy must have read and answered the following three Important medical Questions.

1. Have You received treatment (including surgery, tests or investigations) or been prescribed medication for any Pre-Existing Medical Condition within the last twelve months? (see definition of Pre-Existing Medical Condition on page X)

2. Have You seen a specialist or been admitted to hospital overnight for any other Medical Condition within the last twelve months?

3. Are You aware of any circumstances that could reasonably be expected to give rise to a claim on this policy?

If You have answered No to all three Important Medical Questions above, You do not need to contact Healthcheck.

If You have answered Yes to any of these three Important Medical Questions, but You only have ONE Medical Condition and this is listed below under Accepted Conditions, You do not need to contact Healthcheck, as this Medical Condition will be covered under the standard terms of the policy.

If You have answered Yes to any of these questions and have more than one condition or a condition which is not listed below, You must contact Healthcheck on 01702 427179. This should be done at the time of taking out this insurance or during the Period of Insurance prior to booking Your trip if Your health changes. Healthcheck will confirm whether or not cover is available for the conditions. An additional premium may be payable. Failure to contact Healthcheck or providing an incomplete or inaccurate declaration may invalidate any claim.

The following Accepted Conditions are only covered if You have only ONE Medical Condition listed below and no other Pre-Existing Medical Conditions:

1. Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Syndrome, Rheumatism)

• There must have been no hospital admissions within the last 12 months.

• Must not affect the back more than any other area of the body.

• No more than 2 medications.

• No mobility aids (other than walking stick or frame).

• There must have been no dislocations of any joint replacements.

• Must not be awaiting surgery.

• Must have no lung problems/respiratory disorders.

2. Asthma (Wheezing)

• There must have been no hospital admissions in the last 12 months.

• Must have been diagnosed prior to age 50.

• Must be controlled with no more than 2 medications (no nebuliser, no Home oxygen).

• Must have been a non-smoker for at least 12 months.

• Must always be able to walk 200 yards on the flat without becoming short of breath.

3. Diabetes Mellitus (Sugar Diabetes)

• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.

• Controlled by diet alone or by no more than 1 medication (no Insulin).

• There must have been no hospital admissions or diabetic complications ever.

• Must have been a non-smoker for at least 12 months.

4. Hypercholesterolaemia (High/Raised Cholesterol)

• No more than 1 medication. • Must not be the inherited (genetic) form.

5. Hypertension (High Blood Pressure, White Coat Syndrome)

• No more than 2 medications.

• There must have been no change in treatment within the last 6 months.

• Must have been a non-smoker for at least 12 months

6. Hypotension (Low Blood Pressure)

• Must not be associated with any underlying condition.

7. Osteoporosis (Osteopaenia, Fragile Bones)

• There must have been no broken bones within the last 5 years.

• There must have been no vertebral (backbone) Fractures

Healthcheck

Healthcheck may be contacted between 09.00 and 17.30 Monday to Friday and 09.00 to 17.00 on Saturdays.

When You contact Healthcheck, You will be asked for Your personal and travel details. Please have Your individual policy number to hand if known. Once You have answered some specific questions about Your Pre-Existing Medical Condition, You will be advised whether the Pre-Existing Medical Condition can be covered, an optional additional premium may be quoted and amendments may be made to the policy terms and conditions.

If terms can be provided for the Pre-Existing Medical Condition and You elect to take up the offer of the additional cover, You will be given a medical screening reference number and a letter will be sent to You upon receipt of payment. Any optional additional premiums must be paid directly to Healthcheck and not the company You are arranging Your travel insurance with.

Should You not wish to take advantage of the optional terms quoted by Healthcheck, cover for all Pre-Existing Medical Conditions will be excluded.

 Medical Exclusions

There is no cover under this policy:

Either, at the time of taking out this policy for:

• Any Medical Condition for which You or any other person upon whom travel depends, such as a Close Relative, have received a terminal prognosis.

• Any Medical Condition that You are aware of but which has not had a formal diagnosis.

• Any Medical Condition for which You are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

Or, at any time for:

• Any Medical Condition that You have in respect of which a Medical Practitioner has advised You not to travel or would have done so if You had sought their advice.

• Any Medical Condition for which You are travelling to obtain treatment.

• Any Medical Condition for which You or any other person upon whom travel depends, such as a Close Relative, is not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.

• Your travel against any health requirements stipulated by the Carrier, their handling agents or any other public transport provider.

Please note - One of the many benefits of travel insurance is the easy access it affords to medical emergency assistance if You suddenly fall ill abroad. However, travel insurance is not a substitute for private medical insurance. It is important to note that cover is only provided for necessary emergency treatment in the event of an accident or unexpected illness that has been approved by Our assistance company.

Changes in Health

In addition to applying terms and conditions to Your policy at the point of purchase, You must also contact Healthcheck immediately if Your health changes during the Period of Insurance requiring You to now answer Yes to any of the three Important Medical Questions above. You should do this as soon as Your health changes and, on an Annual Multi trip policy, prior to booking any new Trips.

Provided the journey was booked before the change of health occurred, You may have a valid cancellation claim if You have to cancel Your journey or if the Insurer can no longer provide the cover required.

If You book a new journey without telling Healthcheck about any health changes noted above, the Insurer will not cover any claims directly or indirectly caused by, arising or resulting from, or in connection with this change of health.

If advised about Your change of health, Healthcheck will tell You if they can provide cover for any claim arising from this change of health, and if so, whether any additional premium is required, or any additional terms apply. If the Insurer agrees to cover any change in health, then they will confirm this in writing.

If You do not let Healthcheck know about any of Your changes of health, then You may not have the cover You need and it may invalidate Your Policy or reduce the amount of any claim.

Cancellation and Curtailment restrictions relating to the health of anyone upon whom Your travel depends

This insurance policy excludes cover for any claims arising directly or indirectly from a Medical Condition known to You at the date of policy purchase or Trip booking (whichever is later) that affects any Close Relative or travelling companion who is not insured under this policy, or any Close Relative or friend of You or Your travelling companion with whom You intend to stay whilst on Your Trip if:

1. they had received a terminal diagnosis prior to the commencement of the Period of Insurance; or

2. they were on a waiting-list for, or had knowledge of the need of any form of hospital treatment, consultation or investigation at the commencement of the Period of Insurance; or

3. they had required any form of hospital treatment, consultation or investigation during the 90 days immediately prior to the commencement of the Period of Insurance; or

4. they had a Medical Condition for which they had not received a diagnosis prior to the commencement of the Period of Insurance.

5. You should also refer to the General Exclusions

 
Europe
1 week from
£9.50
Asia
1 month from
£23.75
North America
3 months from
£51.30
Australia
1 year from
£112.10
 
 
Downunder Insurance UK
Opening Hours – 9am to 5:30pm Monday – Friday
Phone – 0800 393 908
Outside UK – +44 (0) 207 402 9211

©2016 Downunder Insurance.

The Travel Insurance products available herein are underwritten by UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE, Registered in England No.SE000083. Registered Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AJ. UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Reinsurance (UK) SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Downunder Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 306618.