Pre-existing Medical Conditions
With the exception of Frequent Travellers Cover, You will be automatically Covered, and no surcharge will be applied, for the following Pre-existing Medical Conditions that You, any Relative, Travelling Companion or any other person whose state of health will affect Your Journey has, provided that:
- They are Well-Controlled.
- There have been no Flare-ups or Medical Intervention in the last 90 days.
- A medical review is not planned prior to Your departure.
- These conditions are not associated with any other Pre-existing Medical Condition(s):
- Asthma - providing no attacks/hospitalisation/ medication changes have occurred in the last 12 months
- Cataracts
- Coeliac Disease
- Diabetes Type 2 (non Insulin dependent) provided no related complications or hospitalisations in the last 12 months
- Ear Grommets — providing no current infection
- Eczema
- Epilepsy — providing no underlying conditions and that the relevant person has not had a seizure or change of medication in the last 12 months
- Glaucoma — if stable and controlled and no change to medications in past 6 months
- Gout
- Hay fever
- Hearing Loss
- Hiatus Hernia
- Hormone Replacement Treatment
- Hypercholesterolaemia
- Hypertension — providing the relevant person's blood pressure is below 160/95
- Hypothyroidism
- Joint Replacements — providing the replacement(s) are more than 3 months old and not greater than 10 years old
- Macular Degeneration
- Osteoarthritis
- Osteoporosis — provided no fractures in the past 12 months
- Peptic/Gastric Ulcers — provided the relevant person's condition has been stable and his/her medication has not been changed in the last 6 months
- Pregnancy — single pregnancy up to and including the 24th week and providing there are no known complications and that the conception was not medically assisted.
- Reflux Oesophagitis
- Rheumatoid Arthritis
- Rhinitis
- Solar Keratoses.
The list of Pre-existing Medical Conditions and the restrictions are detailed under the General Exclusion section of the Travel Insurance Policy Wording and Product Disclosure Statement.
For Gold, Frequent Travellers, Super and Budget Cover, HBF Travel Insurance may Cover You and a Travelling Companion for other Pre-existing Medical Conditions or illnesses if:
- You apply on the appropriate form.
- We explicitly accept Your Application for Cover.
- And You pay the required extra premium.
