Please carefully read all of the important information given below and contact us if you are still uncertain or have any questions
What is a Pre-Existing Medical Condition?
a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication).
b) Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months.
c) Any medical condition for which you are taking prescribed drugs or medication.
NO SCREEN CONDITIONS
You do not need to contact us if all the pre-existing medical conditions that you have, are included in this list and the words in brackets apply to you.
These conditions are covered by the normal terms of the policy.
Acne
ADHD (Attention Deficit Hyperactivity Disorder)
Asthma (diagnosed before age 50, no more than 2 medications/inhalers and no hospital admission in last year)
Carpal tunnel syndrome
Cataracts
Corneal graft
Deafness
Diabetes (no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, amputation of foot or leg, liver damage)
Fungal nail infection |
Glaucoma
Hayfever
High blood pressure (have not suffered from any heart disease, kidney damage, stroke or mini stroke)
High Cholesterol (not the inherited form)
Impetigo
Meniere’s disease
Migraine (confirmed diagnosis, no ongoing investigations)
RSI (Repetitive strain injury/Tendinitis)
Tendonitis
Tinnitus
Tonsillitis
|
If you are aware of a Pre-Existing Medical Condition, you have two options:
1) You can arrange cover at the normal premium and accept that you will not be able to make a claim for anything related to the pre-existing medical condition.
OR, if you require your policy to cover you for claims connected to a pre-existing medical condition
2) Contact Mapfre Medical Screening who will advise you whether your pre-existing medical condition can be covered, whether there will be an additional premium to pay or any other changes to the policy terms and conditions. This applies to You and to anyone Your travel arrangements may depend on such as a Close Relative or Business Associate, or traveling companion.
Mapfre Medical Screening
Telephone: +44 (0)207 1001 736 QUOTE: HY482
Between the hours of 8am - 7pm Monday – Friday & 8.30 to 5.30 on Saturday
You will not be covered for any claim relating to such condition unless you have contacted Pre-Screening (see details below).
For You or anyone travelling with You, as far as You know the following apply.
If you do not comply we may cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.
It is a condition of this policy that you will not be covered under Section A – Cancellation or curtailment charges, Section B – Emergency medical and other expenses, Section C – Hospital benefit and Section D – Personal accident for any claims arising directly or indirectly from:
a) At the time of taking out this policy:
- Any pre-existing medical condition that you have unless you have contacted the medical screening line on the number shown in your schedule of cover and we have agreed to provide cover, or all of the pre-existing medical conditions that you have are included in the list of NO SCREEN CONDITIONS* shown above and the words in brackets apply to you
- Any medical condition for which you have received a terminal prognosis
- Any medical condition you are aware of but for which you have not had a diagnosis
- Any medical condition for which you are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home
- Any medical condition affecting you, a close relative or a close business associate that you are aware of, that could reasonably be expected to result in a claim on this policy
unless you have been given our agreement.
b) At any time:
-
- Any medical condition you have which a medical practitioner has advised you not to travel (or would have done so had you sought his/her advice), but despite this you still travel
- Any surgery, treatment or investigations for which you intend to travel outside of your home area to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures)
- Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner
- You travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
If your health changes after the start date of your policy and the date your travel tickets or confirmation of booking were issued, you must telephone our customer helpline shown on the your schedule to make sure your cover is not affected.
You should also refer to What is not covered – applicable to all sections of the policy.
CHANGE IN YOUR CIRCUMSTANCES
If after taking out this Insurance You become aware of any circumstances that may give rise to a claim such as changes in Your health or that of a person on whom this insurance may depend (e.g. a Close Relative) You must contact Us and tell Us about the changes as soon as reasonably possible and prior to any trip.
Mapfre Medical Screening
Telephone: +44 (0)207 1001 736 QUOTE: HY482
Between the hours of 8am - 7pm Monday – Friday & 8.30 to 5.30 on Saturday
CLICK HERE FOR A QUOTE
