Policy Wording - Insure me 4

No claim arising directly or indirectly from a pre-existing medical condition affecting you will be
covered unless:
• You have declared ALL pre-existing medical conditions to us; and
• You have declared any changes to your health or prescribed medications; and
• We have accepted the conditions(s) for insurance in writing.
Each insured person who has a pre-existing medical condition must make a medical health declaration
before each period of insurance and, if there are any changes in your health or prescribed medication,
prior to commencement of the period of insurance, before departing on any trip and throughout the life of
your policy.
Failure to declare ALL pre-existing medical conditions that are relevant to the insurance may
invalidate the policy.
We may require you to obtain a medical report from your General Practitioner or Consultant in order to
assess whether cover applies. Any costs incurred from obtaining this medical report shall be borne by you.
Based on our assessment of the medical information supplied to us, we will decide whether or not the
person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be
offered subject to the payment of an additional premium. If we offer cover, and, if the cover is subject to
the payment of an additional premium, cover will not commence until full payment has been received by us
and written confirmation has been provided by us.
To declare a pre-existing medical condition or a change in your state of health or prescribed medication,
you should contact the Medical Screening Helpline during office hours on 0844 692 8418. An additional
premium may be required when adding medical conditions to your policy or when changing the current
medical declaration.
You should also refer to the General Exclusions.
The following medical conditions are covered without additional charge and subject to the normal terms
and conditions of this insurance, provided that:
a) the insured is not awaiting surgery for the condition; and
b) the insured has been fully discharged from any post-operative follow-up.
*Waived Conditions
Abnormal Smear Test
Achilles Tendon Sprain
Acne rosacea
Acne vulgaris
Acronyx (Ingrowing Toe-nail)
Adenoids
Alopecia
Anal Fissure/Fistula
Appendectomy
Arcus senilis
Astigmatism
Atopic dermatitis (no hospital
admissions or consultations)
Attention Deficit Hyperactivity
Disorder
Bactrial gastroenteritis (resolved)
Bell’s Palsy (Facial Paralysis)
Benign Prostatic Enlargement
Bladder Infection (no ongoing
treatment, no hospital admissions)
Blepharitis
Blindness
Breast enlargement (with no further
follow up)
Breast Fibroadenoma
Breast reduction (with no further
follow up)
Burst eardrum
Caesarean Section
Candidiasis (oral or vaginal)
Carpal Tunnel Syndrome
Cataracts
Cervical Erosion
Cervicitis
Chalazion
Chicken Pox (fully resolved)
Cholecystectomy
Coeliac Disease
Cold sores
Common Cold(s)
Conjunctivitis
Constipation
Contact dermatitis (no hospital
admissions or consultations)
Corneal abrasion (no further
treatment required)
Corneal Graft
Cyst Breast
Phyllodes tumors of the breast
Cyst Testicular
Cystocele (fully recovered, no
hospital admissions)
Deafness
Deviated Nasal Septum
Dilatation and Curettage
Dislocations (no joint replacement
or hospital admissions)
Dry Eye Syndrome
8 Travel Insurance Policy Documents