Health Conditions - IMPORTANT HEALTH REQUIREMENTS

This insurance operates on the following basis:

To be covered, you must be healthy, fit to travel and to undertake your planned trip.
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).
The insurance will NOT cover you when you are travelling with the intention of obtaining medical treatment or consultation abroad;
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 any person travelling under this insurance will be covered unless:

You have declared ALL Pre-existing Medical Conditions to the Medical Screening Helpline prior to the commencement of any trip; and
You have declared any changes in your health or prescribed medication prior to the commencement of any trip; and
The Medical Screening Helpline has accepted the condition(s) for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition 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 ALL Pre-existing Medical Conditions that are relevant to the insurance may invalidate the policy.

Based on the assessment of the medical information supplied to the Medical Screening Helpline, the Underwriters 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 cover is offered, it is subject to written confirmation from the Medical screening Helpline.

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: 0844 338 6284

Waived Conditions

The following medical conditions are covered without additional charge and subject to the normal terms and conditions of this insurance, provided (a) the Insured is not awaiting surgery for the condition, and (b) the Insured has been fully discharged from any post-operative follow-up.

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 (no ongoing treatment, 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 and no hospital admissions)
Coeliac Disease
Cold Sore (Herpes Simplex)
Common Cold(s)
Conjunctivitis
Constipation
Corneal Graft
Cosmetic Surgery
Cyst - Breast
Cyst - Testicular
Cystitis (no ongoing treatment, 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
Dislocations (no joint replacement or hospital admissions)
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 and never any dislocation of a joint replacement)
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 (full recovery made)
Ingrowing Toe-nail (Acronyx)
Inguinal Hernia
Insomnia
Intercostal Neuralgia (no admissions)
Intertrigo
Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations)
Keinboeck's Disease
Keratoconus
Knee Injury - Collateral/cruciate ligaments
Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement)
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 definite diagnosis made and no ongoing investigations)
Miscarriage
Mole(s)
Molluscum Contagiosum
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue and no hospital admissions)
Myxoedema
Nasal Infection
Nasal Polyp(s)
Nettle Rash (Hives)
Neuralgia (no hospital admissions)
Nosebleed(s)
Nystagmus
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 and no hospital admissions)
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 (provided no respiratory issues)
Sebaceous Cyst
Shingles (Herpes Zoster)
Shoulder Injury
Sinusitis
Skin Ringworm (Tinea Corporis)
Sleep Apnoea (no machine used to assist breathing)
Sore Throat
Sprains
Stigmatism
Stomach Bug (resolved)
Strabismus (Squint)
Stress Incontinence (no urinary infections)
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 (no ongoing treatment, 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
Vitiligo
Warts (benign, non-genital)
Womb Prolapse (uterus)
Wry Neck (Torticollis)

In addition to any Medical Condition on the ‘Waived Conditions’ list, You may be automatically accepted for cover if You suffer from (or have a prior history of) Asthma, provided:

You are able to meet ALL the criteria shown below and
You have NO other Pre-existing Medical Condition.

Asthma (Wheezing):

There must have been NO hospital admissions EVER.
Must have been diagnosed prior to age 50.
Must be controlled with no more than 2 medications (NO nebuliser or home oxygen EVER).
Must have been a non-smoker for at least 12 months.
Must be able to walk 200 yards on the flat without becoming short of breath.

If Your Medical Condition does not meet all the above criteria, or if You have any other Pre-existing Medical Condition, You must contact the Medical Screening Helpline to declare the condition(s) and make sure that the cover will meet your needs.

Important Limitations – Cancellation, Curtailment & Trip Interruption Cover

This policy will NOT cover any claims under Section 5 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any Pre-existing Medical Condition known to You prior to the commencement of the Period of Insurance affecting any Close Relative or travelling companion who is not insured under this policy, or person with whom You intend to stay whilst on Your Trip if:

a terminal diagnosis had been received prior to the commencement of the Period of Insurance; or
if they 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 if during the 90 days immediately prior to the commencement of the Period of Insurance they had:

required surgery, inpatient treatment or hospital consultations; or
required any form of treatment or prescribed medication.

You should also refer to the General Exclusions.