Policy Wording - Insure me 4

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*Waived Conditions continued Scheuermann’s Disease Sebaceous Cyst Shingles Sinusitis Bowel incontinence Sleep Apnoea Strabismus (Squint) Stress urinary Incontinence (no urinary infections) Talipes (Club Foot) Tennis Elbow Tenosynovitis Termination of Pregnancy Testicles Hydrocele Testicles Varicocele Testicular Cyst Testicular Torsion (Twisted Testicle) Thyroid Deficiency Thyroid Overactive Tinea Capitis (Scalp Ringworm) Tinea Corporis (Skin Ringworm) Tinea Pedis (Athlete’s Foot) Tinnitus Tonsillitis Tooth Extraction Toothache Torn cartilage in ankle Torn collateral ligament Torn cruciate ligment Torticollis (Wry Neck) Trichomycosis Trigeminal Neuralgia Turner’s Syndrome Umbilical hernia Undescended Testicle NOTE 1** In addition to any medical condition on the Waived Conditions list you may be automatically accepted for cover, provided you do not have more than ONE of the following medical conditions and you must NOT have ANY other pre-existing medical condition. Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Syndrome, Rheumatism): • There must have been NO hospital admissions within the last 12 months. • Must NOT affect the back more than any other area of the body. • No more than 2 medications. • No mobility aids (other than walking stick or frame). • There must have been NO dislocations of any joint replacements. • Must NOT be awaiting surgery. • Must have NO lung problems/respiratory disorders. Asthma (Wheezing): • There must have been NO hospital admissions EVER. • Must have been diagnosed prior to age 50. • Must be controlled with no more than 2 medications (NO nebuliser, NO home oxygen). • Must have been a non-smoker for at least 12 months. • Must always be able to walk 200 yards on the flat without becoming short of breath. Diabetes Mellitus (Sugar Diabetes): • Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only. • Controlled by diet alone or by no more than 1 medication (no Insulin). • There must have been NO hospital admissions or diabetic complications EVER. • Must have been a non-smoker for at least 12 months. Hypercholesterolaemia (High/Raised Cholesterol): • No more than 1 medication. • Must NOT be the inherited (genetic) form. • Must have been a non-smoker for at least 12 months. Urethritis Urticaria Uterine Polyp(s) Uterine Prolapse Varicose Veins of the legs Vasectomy Verruca Viral gastroenteritis (resolved) Vitiligo Vitreous synresis Minor mouth ulcer Corn on the foot Flat feet Plantar facitis Plane warts Filiform warts Periungal wart Common wart 10 Travel Insurance Policy Documents
Hypertension (High Blood Pressure, White Coat Syndrome): • No more than 2 medications. • There must have been no change in treatment within the last 6 months. • Must have been a non-smoker for at least 12 months. Hypotension (Low Blood Pressure): • Must NOT be associated with any underlying condition. Osteoporosis (Osteopaenia, Fragile Bones): • There must have been NO broken bones within the last 5 years. • There must have been NO vertebral (backbone) fractures. Important limitations Cancellation, curtailment & trip interruption cover This policy will NOT cover any claims under Section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any pre-existing medical condition known to you prior to the commencement of the period of insurance affecting any close relative or travelling companion whether insured under this policy or not, or person with whom you intend to stay whilst on your trip if: • A terminal diagnosis had been received prior to the commencement of the period of insurance; or • If they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the period of insurance; or if during the 90 days immediately prior to the commencement of the period of insurance they had: • Required surgery, inpatient treatment or hospital consultations; or • Required any form of treatment or prescribed medication. You should also refer to the General Exclusions. 24 hour emergency and repatriation service Contact the Emergency Assistance Service on: Tel: 0044 207 902 7408 Ref: Staysure.co.uk You can use this service outside the United Kingdom during your journey. If you have a medical emergency please contact ERV Assistance as soon as possible. ERV Assistance doctors and nurses and other technical support staff are on call 24 hours a day throughout the year. You may reverse the call charges when using this service. Please give ERV Assistance your age and your certificate number. The service is available if medically necessary and when you have a valid certificate. It includes a guarantee to pay hospital or doctors’ fees; • a translation service; • repatriation arrangements to send you home by land, sea or air (accompanied by a nurse or doctor if necessary); • necessary travel arrangements for your next-of-kin or the person with whom you are travelling (if covered under this policy); and • an ambulance service to a hospital or nursing home or your home when you arrive in the United Kingdom (if necessary). Outpatient treatment For simple out-patient costs you should settle the clinic bill directly and claim this back upon your return. Travel Insurance Policy Documents 11
Page 1 and 2: …part of the Staysure family Trav
Page 3 and 4: Contents Useful Telephone Numbers 2
Page 5 and 6: We will pay for any claim you make
Page 7 and 8: Cover Travel Insurance Policy Docum
Page 9 and 10: • Third party liability: if you u
Page 11: Dysmenorrhoea Dyspepsia Ear Infecti
Page 15 and 16: • Injuries which are a direct res
Page 17 and 18: Zone 3 - All countries Worldwide, e
Page 19 and 20: sections of the policy the insuranc
Page 21 and 22: Unattended - When you cannot see an
Page 23 and 24: What is not covered: The cost of an
Page 25 and 26: e) normal wear and tear; f) any sel
Page 27 and 28: Travel by air will be limited to on
Page 29 and 30: Section 7 Travel delay This section
Page 31 and 32: If you arrive at the airport, port
Page 33 and 34: • liability in respect of a pair
Page 35 and 36: • the policy excess; • anything
Page 37 and 38: ) If the appointed preferred law fi
Page 39 and 40: What is not covered: • any claim
Page 41 and 42: insured person: • for all reasona
Page 43 and 44: which are not used due to you being
Page 45 and 46: Section C - Photographs and videos
Page 47 and 48: Horse jumping Scuba diving (unquali
Page 49 and 50: Excursions; Eurotunnel; Theme parks
Page 51 and 52: • The insured person’s travelli
Page 53 and 54: Claims You must tell us in writing
Page 55 and 56: Section 33 Optional travel disrupti
Page 57 and 58: Special conditions relating to clai
Page 59 and 60: 2. Any medical information supplied
Page 61 and 62: 6. We will not pay for any losses w
Page 63 and 64:
• Make a claim in respect of any
Page 65 and 66:
If you refer a complaint to the Fin
Page 67 and 68:
Requesting assistance In an emergen
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Policy Wording - Insure me 4

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