Medical conditions which would normally incur additional premium?
Medical conditions – typically referred to as “pre-existing conditions” in insurance documents – may mean you need to undergo medical screening to see if the condition will be covered and/or it will incur additional premium.
This may apply if you have any of the following:
- Heart-related conditions
- Blood circulatory conditions (e.g. high blood pressure or high cholesterol)
- Diabetic conditions
- Breathing conditions (e.g. asthma)
- Mental health or psychiatric conditions (e.g. anxiety or depression)
- Neurological conditions (e.g. epilepsy or stroke)
- Treatment and conditions related to cancer (usually within the last five years)
- Conditions related to in-patient hospital treatment or surgery (usually within the last two years)
Declaring your pre-existing medical conditions
- As part of the travel insurance quote process, you’ll be asked to provide information about your previous and current state of health. There are a few easy-to-answer questions that may then lead to a medical screening process where you’ll need to disclose pre-existing medical conditions including recurring illnesses or injuries, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from.
- This information will then be used to determine any extra premium (the amount of money you pay for your insurance), higher excess (the amount of money you pay towards a claim) or a medical-related exclusion.
My medical situation has changed after taking out insurance?
- Your policy could be affected if there’s a change in your medical condition. If you purchase standard travel insurance and then you develop a medical condition, you will need to disclose this change. In many circumstances you may find that your insurance is unaffected, but you must check.
- If you have a pre-existing condition and you purchase an insurance policy that covers it, your insurance may extend to illnesses related to or arising from that condition. However, in some circumstances policies will not cover every eventuality, so it’s not always clear whether your personal circumstances will be covered. You must check this.
- If you have any queries relating to your insurance and or your situation changes, you should contact us as soon as possible in order to notify us of any material changes.
Please be aware:- Should you fail to comply with this section of the policy you may find that any claims arising from pre-existing medical conditions, which have not been disclosed and accepted in writing by us may result to a claim being declined. If you are unsure what a pre-existing medical condition is, always check your policy or direct with your insurance provider.