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Declaration (Applicant) I declare to the best of my knowledge and
belief I have advised you of all material facts (any fact which is likely
to influence the rate or cover to be provided by the Underwriting
Agents) and that I have read the Important Notice-Medical
Conditions and Material Facts. I understand that you may
exchange information with other insurers or their agents to check the
answers I have provided and you have my authority to do so.
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Issuing Agent´s Declaration (if applicant not present) I confirm that
I have read out the declaration (opposite) to the Applicant who has
confirmed that they fully understand the terms and conditions of the policy
and have authorised me to sign it on their behalf. |
You will not be covered:
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Where at the time of taking out this insurance the person whose condition gives rise to a claim:
- is receiving, or is on a waiting list for in-patient treatment in a hospital or nursing home; or
- has received a terminal prognosis; or
- is travelling against medical advice or for the purpose of obtaining treatment; or
- is expected to give birth before or within fourteen weeks of the date of arrival home;
- is suffering or has suffered, from any diagnosed psychiatric disorder, anxiety of depression.
Note: The above exclusion applies not only to you, but also to close relatives or other persons on whom the trip depends.
- For trips outside your home country where at the time of taking out this insurance you answer "yes" to any of the "Medical Screening Questions" below, and fail to contact the Medical Screening Line.
Medical Screening
If you need to telephone the Medical Screening Line, you will be asked simple questions about your medical condition, medication, trips to the doctors, and other related matters.
In most cases, cover is provided under normal terms. If, as a consequence of your call, we wish to impose special terms, these will be advised to you immediately, and confirmed in writing.
Please note terms may vary depending on destination, period of travel and other factors.
Medical Screening Questions
If you have answered No to all questions you do not need to call the Medical Screening Line
If you have answered Yes to any of the questions please telephone the Medical Screening Line on 0845 230 5555 between the hours of 9.00am to 5.00pm Monday to Friday to confirm acceptability of cover. (Please note: Mondays are normally very busy. You may prefer to call at other times.
Note: You do not need to phone the Medical Screening Line if your trip is within the United Kingdom, or if you have one of the following conditions (provided you are not on a waiting list for treatment): Acid reflux, Acne, Arthritis, Asthma (but only if well controlled by using inhalers) Colds or "flu", Dyspepsia, Eczema, Gall Stones / Gall Bladder Removal, Glaucoma, Gout, Hay-fever, Hernia, Hyperthyroidism (over-active thyroid), Hypothyroidism (under-active thyroid), Irritable bowel syndrome, Meniere's disease, Migraine, Psoriasis, Tonsillitis, Varicose veins.