PRE-EXISTING HEALTH CONDITIONS
Whilst the insurance is not subject to a health warranty, We shall not be liable for any claims where at the time of taking out this insurance (or if annual Multi-Trip, prior to booking each separate Journey):
1. You are aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim; or
2. You or any other person on whom Your Journey depends;
a) has during the twelve months prior to taking out this insurance (or if Annual Multi-Trip, prior to booking each separate Journey) suffered from any medical condition; or
b) is suffering from any previously diagnosed psychiatric disorder, anxiety or depression; or
c) is receiving, or on a waiting list for in-patient treatment in a hospital or nursing home; or
d) is travelling against the advice of a
e) has been given a terminal prognosis.
UNLESS DECLARED TO AND ACCEPTED BY US BY RINGING THE AIG MEDICAL ASSESSMENT DEPARTMENT ON 0800 367 244
N.B. The underwriter must be notified of any changes in circumstances of Yourself or any Close Relatives occurring after the Certificate has been issued and prior to departure.
AUTOMATIC ACCEPTANCE OF PRE-EXISTING HEALTH CONDITIONS
N.B. The underwriter must be notified of any changes in circumstances of Yourself or any Close Relatives occurring after the Certificate has been issued and prior to departure.
Medical Practitioner or for the purpose of obtaining medical treatment abroad; or
The following conditions may be accepted under the terms of the Policy without a declaration being made, provided You or the person whose well being Your Journey may depend upon;
1. has received no treatment as a hospital in-patient or out-patient in the 12 months prior to taking out this Policy; and
2. is not undergoing or waiting to undergo further tests or consultation; and
3. is not on a hospital waiting list; and
4. their condition is stable; and
5. is not travelling against the advice of a Medical Practitioner or to seek medical treatment abroad; and
6. has not been referred to a specialist or consultant in the previous 12 months and is not waiting to see a specialist or consultant.
Abscess/Boil; Acne; Allergy (provided allergic reaction is non life threatening); Appendectomy; Asthma (Mild)*; Bells Palsy; Benign Lump/Growth; Cartilage Damage; Damaged Ligaments; Dermatitis (provided not taking oral Steroids); Diabetes Mellitus**; Dislocation; Ear Infection; Eczema (provided not taking oral steroids); Endometriosis; Enlarged Prostate (Benign); Fatty Lump (Benign); Fibroids; Gall Bladder Removal; Glandular Fever; Glaucoma; Goitre; Gout; Grommets; Haemorrhoids; Hiatus Hernia; High Blood Pressure***; Hormone Replacement Therapy; Hypertension; Hyperthyroidism; Hypothyroidism; Hysterectomy (Non-Cancerous); Indigestion; Irritable Bowel Syndrome; Knee Replacement; Lipoma (Benign Fatty Lump); Migraine; Overactive Thyroid; Perforated Ear Drum; Polyps (Benign); Psoriasis; Rhinitis; Sinus Problems; Sinusitis; Talipes (Club Foot); Tendon Problems; Thyroid Problems; Tinnitus; Tonsillectomy; Twisted Ovaries; Underactive Thyroid; Varicose Veins; Vasectomy; Vertigo.
*On up to 2 types of medication, well controlled & suffered in isolation. No cover if using more than 2 inhalers.
** Provided controlled by diet/tablets only, suffered in isolation and no associated kidney/blood vessel/nerve/eye/circulation problems.
*** On up to 2 types of medication, well controlled & suffered in isolation.