Travel Insurance - Covering Medical Conditions

Accepted Conditions:

The following health conditions are covered subject to the policy terms and conditions of this insurance and need not be declared to the Medical Screening Company, provided You or any person whose health Your travel plans depend can meet ALL of the following criteria:

a) has NO other Pre-Existing Medical Condition(s) which is not listed below; and
b) is not awaiting surgery for the condition; and
c) has been fully discharged from any post-operative follow-up.

IMPORTANT NOTE: IF YOU DO NOT MEET ALL OF THE CRITERIA SHOWN ABOVE THEN A FULL AND COMPLETE DECLARATION OF ALL PRE-EXISTING MEDICAL CONDITIONS (INCLUDING ANY LISTED BELOW) MUST BE MADE TO THE MEDICAL SCREENING HELPLINE.

• Abnormal Smear Test
• Achilles Tendon Injury
• Acne
• Acronyx (Ingrowing Toe-nail)
• Adenoids
• Allergic Rhinitis
• Alopecia
• Anal Fissure/Fistula
• Appendectomy
• Astigmatism
• Athlete's Foot (Tinea Pedis)
• Attention Deficit Hyperactivity Disorder
• Bell's Palsy (Facial Paralysis)
• Benign Prostatic Enlargement
• Bladder Infection (fully recovered, no hospital admissions)
• Blepharitis
• Blindness
• Blocked Tear Ducts
• Breast - Fibroadenoma
• Breast Cyst(s)
• Breast Enlargement/Reduction
• Broken Bones (other than head or spine) – (no longer in plaster)
• Bunion (Hallux Valgus)
• Bursitis
• Caesarean Section
• Candidiasis (oral or vaginal)
• Carpal Tunnel Syndrome
• Cartilage Injury
• Cataracts
• Cervical Erosion
• Cervicitis
• Chalazion
• Chicken Pox (fully resolved)
• Cholecystectomy
• Chronic fatigue syndrome (if only symptom is fatigue)
• Coeliac Disease
• Cold Sore (Herpes Simplex)
• Colitis (simple)
• Common Cold(s)
• Conjunctivitis
• Constipation
• Corneal Graft
• Cosmetic Surgery
• Cyst - Breast
• Cyst - Testicular
• Cystitis (fully recovered, no hospital admissions)
• Cystocele (fully recovered, no hospital admissions)
• D & C
• Deaf Mutism
• Deafness
• Dental Surgery
• Dermatitis (no hospital admissions or consultations)
• Deviated Nasal Septum
• Diarrhoea and/or Vomiting (resolved)
• Dilatation and Curettage
• Dislocated Hip
• Dislocations
• Dry Eye Syndrome
• Dyspepsia
• Ear Infections (resolved - must be all clear prior to travel if flying)
• Eczema (no hospital admissions or consultations)
• Endocervical Polyp
• Endocervicitis
• Endometrial Polyp
• Epididymitis
• Epiphora (Watery Eye)
• Epispadias
• Epistaxis (Nosebleed)
• Erythema Nodosum
• Essential Tremor
• Facial Neuritis (Trigeminal Neuralgia)
• Facial Paralysis (Bell's Palsy)
• Femoral Hernia
• Fibroadenoma
• Fibroid - Uterine
• Fibromyalgia

In addition to any medical condition shown in the above table above, You may be automatically accepted for cover if You have ONLY ONEof the following conditions provided you have NO other Pre-Existing Medical Condition(s).

Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Syndrome, Rheumatism):

• There must have been NO hospital admissions within the last 12 months.
• Must NOT affect the back more than any other area of the body.
• No more than 2 medications.
• No mobility aids (other than walking stick or frame).
• Must NOT be awaiting surgery.
• Must have NO lung problems.

Asthma (Wheezing):
• There must have been NO hospital admissions EVER.
• Must have been diagnosed prior to age 50.
• Must be controlled with no more than 2 medications (NO nebulizer, NO home oxygen).
• Must have been a non-smoker for at least 12 months.
• Must be able to walk 200 yards on the flat without becoming short of breath.

Diabetes Mellitus (Sugar Diabetes):
• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.
• Controlled by diet alone or by no more than 1 medication (no Insulin).
• There must have been NO hospital admissions or diabetic complications EVER.
• Must have been a non-smoker for at least 12 months.

Down’s Syndrome:
• There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities).

Hypercholesterolaemia (High/Raised Cholesterol):
• No more than 1 medication.
• Must NOT be the inherited form.
• Must have been a non-smoker for at least 12 months.

Hypertension (High Blood Pressure, White Coat Syndrome):
• No more than 2 medications.
• There must have been no change in treatment within the last 6 months.
• Must have been a non-smoker for at least 12 months.

Hypotension (Low Blood Pressure):
• Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones):
• There must have been NO vertebral (backbone) fractures.

If You have any other Pre-Existing Medical Condition(s) or if the medical condition does not meet the above criteria, You must contact the Medical Screening Company on 08712 084 594 to declare ALL Your Pre-Existing Medical Conditions to ensure that the cover will meet Your needs.