Important Conditions Relating to Health

You will NOT be covered:

1. For any trip 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:
a) is waiting for an operation, hospital consultation (other than for regular check-ups for a stable condition) or other hospital treatment or investigations, or are awaiting the results of any tests or investigations; or
b) has been diagnosed as having a terminal condition; or
c) is travelling against medical advice or for the purpose of obtaining treatment; or
d) is suffering from anxiety, stress, depression or any other mental or nervous disorder.

Note: The above exclusion applies not only to you, but also to close relatives or other non-travellers on whom the trip depends.

2. For any trip 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’ and fail to contact the Medical Screening Line.

Note: If your trip is within the United Kingdom you do not need to contact us.

You must take care to answer all questions honestly and to the best of your knowledge and not to make a misrepresentation of the facts of your state of health. If you fail to do this, we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.

Within the last 6 MONTHS, have you been prescribed new medication or had a change in medication for any Medical Condition?

Within the last 12 MONTHS, have you, for ANY Medical Condition, been treated as a hospital inpatient or been referred to, or in the care of, a specialist consultant?

Are you taking more than 2 PRESCRIBED medications for all of Your Medical Conditions?

Have you been diagnosed or treated for a malignant condition (e.g. cancer) within the last 5 years?