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MEDICAL CONDITIONS AND MATERIAL FACTS
You will not be covered:
1. Where at the time of taking out this insurance (and in the case of Annual Multi-trip at the time of booking each trip) the person whose condition gives rise to a claim:
is receiving or on a waiting list for treatment; or
has received a terminal prognosis; or
is travelling against medical advice or for the purpose of obtaining treatment; or
is expected to give birth before or within 14 weeks of date of return home;
is suffering or has ever suffered from any diagnosed psychiatric disorder, anxiety or depression.
It is important to note that these exclusions relate not only to you, but also to your close relatives and other people on
whom your trip depends - even if they are not travelling themselves.
2. For trips outside the United Kingdom where at the time of taking out this insurance (and in the case of Annual Multi-trip at the
time of booking each trip) you answer 'Yes' to any of the 'Medical Screening Questions' (see below) and fail to contact the Medical
Screening Line.
Medical Screening Questions (not applicable to United Kingdom trips)
Q.1
Do you have more than one of the following conditions?
Asthma (well controlled and not requiring supplementary oxygen)
Benign Lumps
Cataracts
Diabetes (if well controlled and no associated conditions)
Gall Stones/Gall Bladder removal
Gout
Under-active/Over-active Thyroid.
Q.2
Within the last year, have you been treated as a hospital in-patient or been referred to a specialist consultant?
Q.3
Have you ever been treated for a breathing or heart related condition (including angina) or circulatory condition including Deep Vein Thrombosis or High Blood Pressure/Hypertension?
Q.4
Have you ever been diagnosed with cancer?
If you have answered NO to all questions you do not need to call the Medical Screening Line.
If you have answered YES to any of the questions please telephone
the Medical Screening Line on
0845 230 5555 between the hours of 8.00am to 6.00pm Monday to Friday to confirm acceptability of cover.
Note: You do not need to phone the Medical Screening Line if your trip is within the United Kingdom.
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Authorised and regulated by the Financial Services Authority.
Registration Number 304413 |
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