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TRAVELLER’S CHOICE 2009/10
HEALTH CONDITIONS
You must comply with the following conditions to have the full protection of
Your policy.
If You do not comply We may at Our option 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:
i. Any Medical Condition You have, or have had, for which You are
taking prescribed medication or are waiting to receive, or have received
treatment (including surgery, tests or investigations) within the last 2
years unless We have agreed, in writing, to cover You.
If You have only one Medical Condition and this is one of those shown
in the table of NO SCREEN CONDITIONS* on this page then this will be
covered under the policy without the need to contact Us.
ii Any Medical Condition for which You, a Close Relative or a
Travelling Companion have received a terminal prognosis.
iii Any Medical Condition for which You, a Close Relative or a
Travelling Companion have not had a diagnosis.
iv Any Medical Condition for which You, a Close Relative or a
Travelling Companion are on a waiting list for or have knowledge of the
need for surgery, in patient treatment or investigation at a hospital,
clinic or nursing home.
v Any circumstances You, are aware of that could reasonably be
expected to give rise to a claim on this policy.
unless You have been given Our agreement.
b. You will also not be covered at any time for:
i Any Medical Condition You, have in respect of which a Medical
Practitioner has advised You, not to travel or would have done so had
You sought his/her advice.
ii Any Medical Condition for which You, are travelling with the
intention of obtaining medical treatment (including surgery or
investigation) or advice outside of the United Kingdom or within the
Channel Islands.
iii Any Medical Condition for which You, are not taking the
recommended treatment or prescribed medication as directed by a Medical
Practitioner.
iv Pregnancy or childbirth where You, are expected to give birth
within eight weeks of the start of the Trip, during the Trip or within
eight weeks of the end of the Trip.
* NO SCREEN CONDITIONS (for which You do not have to contact Us if You only
have one of these)
You must comply with the following conditions to have the full protection of
Your policy.
If You do not comply We may at Our option 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:
i. Any Medical Condition You have, or have had, for which You are
taking prescribed medication or are waiting to receive, or have received
treatment (including surgery, tests or investigations) within the last 2
years unless We have agreed, in writing, to cover You.
If You have only one Medical Condition and this is one of those shown
in the table of NO SCREEN CONDITIONS* on this page then this will be
covered under the policy without the need to contact Us.
ii Any Medical Condition for which You, a Close Relative or a
Travelling Companion have received a terminal prognosis.
iii Any Medical Condition for which You, a Close Relative or a
Travelling Companion have not had a diagnosis.
iv Any Medical Condition for which You, a Close Relative or a
Travelling Companion are on a waiting list for or have knowledge of the
need for surgery, in patient treatment or investigation at a hospital,
clinic or nursing home.
v Any circumstances You, are aware of that could reasonably be
expected to give rise to a claim on this policy.
unless You have been given Our agreement.
b. You will also not be covered at any time for:
i Any Medical Condition You, have in respect of which a Medical
Practitioner has advised You, not to travel or would have done so had
You sought his/her advice.
ii Any Medical Condition for which You, are travelling with the
intention of obtaining medical treatment (including surgery or
investigation) or advice outside of the United Kingdom or within the
Channel Islands.
iii Any Medical Condition for which You, are not taking the
recommended treatment or prescribed medication as directed by a Medical
Practitioner.
iv Pregnancy or childbirth where You, are expected to give birth
within eight weeks of the start of the Trip, during the Trip or within
eight weeks of the end of the Trip.
* NO SCREEN CONDITIONS (for which You do not have to contact Us if You only
have one of these)
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Acid reflux
Acne
Attention Deficit Hyperactivity Disorder (ADHD)
Allergy (requiring non prescriptive treatment only)
Broken bones |
Cataracts
Colds or influenza
Dyspepsia
Eczema
Gout
Hayfever |
Menopause
Hypercholesterolaemia (high cholesterol)
Hysterectomy (provided carried out more than 6 months ago)
Irritable bowel Syndrome |
Migraine
Psoriasis
Tonsilitis
Underactive thyroid
Varicose Veins |
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