Pre-existing Medical Conditions or Illnesses

You will be automatically covered provided you meet the acceptance criteria, and no surcharge will be applied, for the 51 pre-existing medical conditions detailed below. This applies to you and your travelling companion or any relative or other person whose state of health will affect your journey.

Automatic cover for these specified medical conditions will be provided subject to:

Conditions being 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.
They are not associated with any other pre-existing medical condition(s)

Acne
Allergies - Sinusitis, Anaphylaxis, dermatitis, psoriasis, urticaria, food intolerance, latex allergy (provided no current infection)
Anaemia - including iron deficiency anaemia, B12 deficiency, folate deficiency & pernicious anaemia
Asthma - providing no attacks/hospitalisation/ medication changes have occurred in the last 12 months
Bell's palsy
Benign breast or renal cysts
Bunions
Carpel Tunnel Syndrome
Cataracts
Coeliac Disease
Colonic polyps
Congential blindness/deafness
Diabetes Mellitus Types 1 and 2 - where you have no known cardiovascular, hypertensive, vascular disease and no related kidney, eye or neuropathy complications or hospitalisations in the last 12 months
Dry eye syndrome
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
Goitre, Hashimotos or Graves disease - provided euthroid, no conditions causing giotre; no cvs complications, thyroid malignancy, thyrotoxic crisis - requiring hospitalisation
Gout
Gastro esophageal reflux disease
Hay fever
Hearing loss
Hiatus Hernia
High lipids - If you have no known cardio vascular discease, hypertension or DM; and your medical practitioner has advised that Your cholestrol levels are adequately controlled within normal range
Hormone Replacement Treatment
Hypercholesterolaemia (High Cholesterol)
Hypertension - providing the relevant person’s blood pressure is below 160/95
Hypothyroidism
Insulin resistance and impaired glucose tolerance (not syndrome X)
Incontinence
Joint Replacements - providing the replacement(s) are more than 3 months old and not greater than 10 years old
Macular Degeneration
Menopause
Migraines - except where a person has been hospitalised in the past twelve months
Nocturnal cramps
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
Plantar fascitis - if receiving ongoing physiotherepy etc
Pregnancy - single pregnancy up to and including the 28th week and providing there are no known complications and that the conception was not medically assisted.
Raynaud's disease - not if travelling to cold climate
Reflux Oesophagitis
Rheumatoid Arthritis
Rhinitis
Routine screen tests - when no underlying disease has been detected
Solar Keratoses
Sleep apneoa
Tinnitus - as long as no vertigo symptoms
Trigeminal Neuralgia - no Flare-Ups in the last twelve months
Trigger Finger

Other pre-existing medical conditions

You will be required to complete a Medical Appraisal Form if you have received any medical or dental treatment, medication or advice in the 90 days prior to the date of your application for cover. This is required for any physical condition other than those mentioned above or for which a specialist review is planned.