This insurance excludes claims related to the pre-existing medical conditions of all Insured Persons, their Relatives, their travelling companions and also Close Business Colleagues. However you or any person to be insured on this policy your travelling companion, any close relative or any other person upon whose state of health the trip depends will automatically be accepted for cover for certain conditions as described in the list below.
If you have a condition that is not included in the list, you can still buy the policy, but on the understanding that there is no cover for any loss you may suffer as a result of pre-existing medical conditions or related conditions that are not listed.
The conditions listed below are agreed under the standard terms of the policy, without referral, subject to the points listed below:
- that you are not travelling against medical advice
- that you are not aware of anything that could reasonably be expected to give rise to a claim at the time of applying for insurance
- that the condition is not of a recurring or an ongoing nature
- that you are not on a waiting list for treatment or further investigation
- that you have not been admitted to hospital for medical treatment in the previous 12 months
- that you have no more than ONE of these conditions listed below and have no other pre-existing medical condition(s).
List of Acceptable Medical Conditions
- Arthritis
- Arthroscopy
- Asthma (no hospital admission in last 12 months, it is controlled by no more than 2 medications (no nebulisers or home oxygen), can walk 200 yards without becoming breathless and non smoking for at least 18 months)
- Bell's Palsy
- Benign Cysts
- Benign Lump/Growth
- Benign Tumour
- Bladder Repair
- Blindness and Low Vision
- Broken/Repaired Bones
- Carpal Tunnel Syndrome
- Cartilage Problems
- Cataracts
- Cholecystectomy
- Cholesterol (well controlled and below 6.0)
- Colds/Flu
- Congenital Anomalies of Genital Organs
- Conjunctivitis
- Contact Dermatitis and Other Eczema
- Corneal Degenerations
- Corneal Graft
- Cysts-Benign
- D and C
- Deafness
- Degeneration of Macula and Posterior Pole of Retina
- Dental Treatment
- Dermatitis
- Diabetes (treated with diet only and well controlled)
- Dilatation and Curettage
- Dislocation (no occurrence within last 12 months)
- Disorders of Iron Metabolism
- Down's Syndrome
- Dupuytren's Contracture
- Dyspepsia
- Ear Infection
- Ectopic Pregnancy
- Eczema
- Endometriosis
- Epistaxis
- Fasciitis
- Fatty Lump – Benign
- Fibroids
- Fistula – Anal
- Food Allergy
- Fractures (over 12 months ago and no recent symptoms or treatment)
- Gall Stone Removal/Gall Bladder Removal
- Glandular Fever
- Glaucoma
- Gout
- Grommets
- Haematoma (external)
- Haemorrhoids
- Hay-Fever
- Hearing Loss
- Heartburn
- Helicobacter Pylori
- Hernia
- Hernia Repair
- Herpes Zoster
- Hiatus Hernia
- High Blood Pressure (no more than 2 medications being taken and there has been no change in medication or dosage in the last 3 months, have been a non smoker for at least 18 months, BP readings on the last 2 occasions were within normal limits)
- Hip Replacement (over 12 months ago and no recent symptoms or treatment)
- Hydrocele
- Hyperactive Thyroid
- Hypertension (no more than 2 medications being taken and there has been no change in medication or dosage in the last 3 months, have been a non smoker for at least 18 months, BP readings on the last 2 occasions were within normal limits)
- Hyperthyroidism
- Hypoactive Thyroid
- Hypothyroidism
- Hysterectomy (non cancerous)
- Impotence
- Incontinence of Urine
- Indigestion
- Inguinal Hernia
- Knee Replacement (over 12 months ago and no recent symptoms or treatment)
- Learning Difficulties
- Lipoma (Benign Fatty Lump)
- Lymphedema
- Macular Degeneration
- Menstruation Abnormal
- Migraine
- Myxoedema
- Neck Pain
- Nose Bleeds (over 12 months ago and no recent symptoms or treatment)
- Overactive Thyroid
- Paraplegia
- Pilonidal Cyst
- Pilonidal Sinus
- Polio
- Polyps-Benign
- Postmastectomy Lymphedema Syndrome
- Psoriasis
- Raynaud's Syndrome
- Reflux Oesophagitis
- Rhinitis
- Ruptured Ligaments
- Ruptured Spleen
- Senile Cataract
- Sinus Problems
- Sinusitis
- Skin Irritations
- Sleep Apnoea
- Spina Bifida
- Spondylosis
- Sprains (over 12 months ago and no recent symptoms or treatment)
- Tallipes (Club Foot)
- Tendon Problems – Hand
- Tetraplegia
- Thyroidectomy (non cancerous)
- Thyroidectomy Benign
- Thyroitoxicosis
- Tinnitus
- Tonsillectomy
- Tonsillitis
- Torticollis
- Trigeminal Neuralgia
- Twisted Ovaries
- Underactive Thyroid
- Undescended Testicle
- Urethra Stricture
- Urticaria (Hives)
- Uterine Leiomyoma (Fibroids)
- Varicose Veins
- Vasectomy