If you do not tell us about an existing medical condition other than those automatically covered, there is no cover for any existing medical condition.
If your application is approved you will be advised of any restrictions or excess that may apply and asked to pay an appraisal fee. The definition of an existing medical condition is set out in the Policy Wording under ‘Words with special meanings’.
If you are applying for an International or Annual Multi Trip Travel Plan you must tell us if you have any of the following existing medical conditions.
You must read this section together with the General exclusions, as these may affect your cover.
Provided the following existing medical conditions are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is provided without application on all travel plans.
|Allergies||Such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy|
|Anaemia||Iincluding iron deficiency anaemia, B12 deficiency, folate deficiency, pernicious anaemia|
|Asthma||Provided you are under 60 years of age and you have not required cortisone medication, except taken by inhaler or puffer, or hospitalisation for the past 12 months including as an outpatient.|
|Benign Breast Cysts|
|Carpal Tunnel syndrome|
|Cataracts||With no pending surgery or surgery in last 6 weeks|
|Coeliac Disease||Congenital blindness or deafness|
|Diabetes||Mellitus Types 1 and 2 provided you were not diagnosed within the last 12 months and where you have no known cardiovascular, hypertensive, vascular disease, no related kidney, eye or neuropathy complications|
|Epilepsy||You have been seizure free for the past 12 months or do not require more than 1 anti-seizure medication|
|Goitre, Hypothyroidism, Hashimotos Disease, Graves Disease|
|Grommets||If no current ear infection and/or no ear infection in the last 4 weeks|
|Hiatus Hernia, Gastro-Oesophageal Reflux Disease, Peptic Ulcer Disease|
|High Blood Pressure (Hypertension)||Stable|
|High Cholesterol (Hypercholesterolaemia)|
|High Lipids (Hyperlipidaemia)|
|Hip and Knee Replacements||If performed more than 9 months ago and less than 10 years ago, with no history of dislocation|
Iimpaired Glucose Tolerance
|Incontinence Macular degeneration|
|Migraines||Except where you have been hospitalised in the past 12 months|
|Osteoporosis||Where there have been no fractures and you do not require more than 1 medication or suffer any back pain condition|
|Pregnancy||Pregnancy related conditions, including a pregnancy complication or Illness of the mother up to and including 26 weeks gestation provided;
|Routine Screening Tests||Where no underlying disease has been detected.|
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