Important Conditions And Exclusions Relating To Health

Please note certain medical conditions will incur an additional premium.

Telephone: 0333 355 0288

You must comply with the following conditions to have full protection of your policy. If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claims payment. At the time of taking out this policy, have you in the last 2 years suffered from or received medical advice, treatment or medication for:

any heart-related condition; or
any blood circulatory condition (including, but not limited to, high blood pressure, hypertension or high cholesterol); or
any diabetic condition; or
any breathing condition; or
any psychiatric or psychological condition (including anxiety or depression); or
had treatment for cancer
any neurological condition including, but not limited to, stroke, brain haemorrhage or epilepsy

Or at the time of taking out this policy, have you been referred to or seen by a GP, hospital doctor or surgeon (other than an accident and emergency doctor) for any other condition or needed in-patient medical treatments in hospital for any other condition in the last 12 months?

If so, it is a condition of this policy that you will not be covered under the below policy sections for any claims arising directly or indirectly from this medical condition(s) unless you/they contact Medical Screening on 0333 355 0288 (Calls cost 7p per minute plus your standard network charges) and they have agreed in writing to cover your medical condition(s).

Section A - Cancellation or Curtailment Charges
Section B - Emergency Medical and Other Expenses,
Section C - Hospital Benefit,
Section D - Personal Accident and
Section W3 - Green Fees

Please see below for limitations on the above.

If you have only one medical condition and it is one of those shown in the table below, then this will be covered under the policy without the need to contact medical screening.

Medical Conditions which do not require screening. (You do not have to contact us if you only have one of these)

Achilles Tendon Injury
Acid Reflux
Acne
Anal Fissure/Fistula
Attention Deficit Hyperactivity Disorder (ADHD)
Allergy (requiring non prescriptive treatment only)
Bells Palsy (in isolation only)
Benign Prostatic Enlargement
Blindness
Broken/Fractured Bones (not head or spine)
Carpal Tunnel Syndrome
Cataracts
Colds or Influenza
Colitis (no hospital admissions in last 12 months)
Corneal Graft
Cosmetic Surgery
Cuts & Abrasions(non self-inflicted)
Cyst Breast (Benign)
Cyst Testicular (Benign)
Cystitis
Diarrhoea and/or vomiting (resolved)
Dislocated Hip
Dyspepsia
Eczema
Epididymitis
Essential Tremor
Fungal Nail Infection
Gall Bladder Removal (if more than 3 months ago)
Gastric Reflux
Genital Herpes
Glandular Fever
Glaucoma
Gout
Hayfever
Hemorrhoids (Piles)

Hernia (not Hiatus)
Hip Replacement
HRT (Hormone Replacement Therapy)
Hyperthyroidism (Overactive Thyroid)
Hypothyroidism (Underactive Thyroid)
Hysterectomy (provided carried out more than 6 months ago)
Irritable Bowel Syndrome
Macular Degeneration
Menopause
Menorrhagia
Migraine (confirmed diagnosis, no on-going investigations)
Myalgia (Muscular Rheumatism)
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
Nasal Polyp(s)
Neuralgia, Neuritis
Nut Allergy
Osteochondritis
Osteoporosis, Osteopaenia(fragile bones) NO vertebral (backbone)
Pelvic Inflammatory Disease
Psoriasis
Reflex Oesophagitis
Rheumatism
Rhinitis (Allergic)
Shingles (Herpes Zoster)
Shoulder Injury
Sinusitis
Sleep Apnoea
Tendon Injury
Tonsilitis
Underactive Thyroid
Uriticaria
Varicose Veins legs only (if GP has confirmed that client is fit to travel)

Exclusions

It is a condition of this policy that you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

At the time of taking out this policy or at the time of booking the trip:

Any medical condition for which you or a close relative or a travelling companion are aware of but have not had a diagnosis.
Any medical condition for which you or a close relative or a travelling companion have received a terminal prognosis.
Any medical condition for which you or a close relative or a travelling companion are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

At any time:

Any medical condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
Any surgery, treatment or investigations for which you intend to travel outside of your home area to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
Any medical condition for which you are 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.