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POLICY DETAILS

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Policy Details

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Policy Wordings

For policies issued after 1^st January 2013:

Policy Wording 2013

Policy Summary 2013

Application forms

Trip Travel application form 2013

Year Round application form 2013

Long Stay application form 2013

Young Traveller application form 2013

Policy Wordings

For policies from 1^st January 2012 to 31^st December 2012:

Policy Wording 2012

For policies issued from 1^st January 2011 to 31^st December 2011:

Policy Wording 2011

Please ensure you have read the above information and about our services in order to be aware of the full terms and conditions.

Helpful Information

Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:

have no other pre-existing medical conditions which are not listed below

are not awaiting surgery for the condition

have been fully discharged from any post-operative follow-up

Abnormal Smear Test
Achilles Tendon Injury
Acne
Acronyx (Ingrowing Toe-nail)
Adenoids
ADHD
Allergic Rhinitis
Alopecia
Anal Fissure/Fistula
Appendectomy
Arthritis - see special terms below
Asthma - see special terms below
Astigmatism
Athlete's Foot (Tinea Pedis)
Attention Deficit Hyperactivity Disorder
Bell's Palsy (Facial Paralysis)
Benign Prostatic Enlargement
Bladder - Cystitis (fully recovered, no hospital admissions)
Bladder Infection (fully recovered, no hospital admissions)
Blepharitis
Blindness
Blocked Tear Ducts
Blood Pressure - see special terms below
BPPV (vertigo) provided no disabling episodes
Breast - Fibroadenoma
Breast Cyst(s)
Breast Enlargement / Reduction
Broken Bones (other than head or spine) (no longer in plaster)
Bunion (Hallux Valgus)
Bursitis
Caesarian Section
Candidiasis (oral)
Carpal Tunnel Syndrome
Cartilage Injury
Cataracts
Cervical Erosion
Cervicitis
Chalazion
Chicken Pox (fully recovered)
Cholecystectomy
Chronic fatigue syndrome (if only symptom is fatigue)
Coeliac Disease
Cold Sore (Herpes Simplex)
Colitis (simple)
Common Cold(s)/Influenza
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
Diabetes - see special terms below
Diarrhoea and/or Vomiting (resolved)
Dilatation and Curretage
Dislocated Hip
Dislocations
Down's Syndrome - see special terms below
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 Multiform or Nodosum (no hospital admissions)
Essential Tremor
Facial Neuritis (Trigeminal Neuralgia)
Facial Paralysis (Bell's Palsy)
Femoral Hernia
Fibroadenoma
Fibroid - Uterine
Fibromyalgia
Fibromyositis
Fibrositis
Fistula-in-Ano
Fragile Bones - see special terms below
Frozen Shoulder
Gall Bladder Removal
Ganglion
Glandular Fever (full recovery made)
Glaucoma
Glue Ear (resolved - must be all clear prior to travel if flying)
Goitre
Gout
Grave's Disease
Grommet(s) inserted (Glue Ear)
Gynaecomastia
Haematoma (external)
Haemorrhoidectomy
Haemorrhoids (Piles)
Hallux Valgus (Bunion)
Hammer Toe
Hay Fever
Hernia (not Hiatus)
Herpes Simplex (Cold Sore)
Herpes Zoster (Shingles)
High Blood Pressure - see special terms below
High Cholesterol - see special terms below
Hip Replacement (no subsequent arthritis)
Hives (Nettle Rash)
Housemaid's Knee (Bursitis)
HRT (Hormone Replacement Therapy)
Hypercholesterolaemia - see special terms below
Hypertension - see special terms below
Hyperthyroidism (Overactive Thyroid)
Hypospadias
Hypotension - see special terms below
Hypothyroidism (Underactive Thyroid)
Hysterectomy (provided no malignancy)
Impetigo
Indigestion
Influenza
Ingrowing Toe-nail (Acronyx)
Inguinal Hernia
Insomnia
Intercostal Neuralgia
Intertrigo
Irritable Bowel Syndrome (IBS)
Juvenile Arthritis - see special terms below
Keinboeck's Disease
Keratoconus
Knee Injury - Collateral/cruciate ligaments
Knee Replacement (no subsequent arthritis)
Kohlers Disease
Labyrinthitis
Laryngitis
Learning Difficulties
Leptothrix
Leucoderma
Lichen Planus
Ligament(s) or Muscular injury (not back-related)
Lipoma
Low Blood Pressure - see special terms below
Macular Degeneration
Mastitis
Mastoidectomy (resolved - must be all clear prior to travel if flying)
Menopause
Menorrhagia
Migraine (provided this is a definite diagnosis and there are no ongoing investigations)
Miscarriage
Mole(s)
Molluscum Contagiosum
Myalgia (Muscular Rheumatism)
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
Myxoedema
Nasal Infection
Nasal Polyp(s)
Nettle Rash (Hives)
Neuralgia, Neuritis
Nosebleed(s)
Nystagmus
Obstructive Sleep Apnoea
Osgood-schlatter's Disease
Osteoarthritis - see special terms below
Osteochondritis
Osteopaenia - see special terms below
Osteoporosis - see special terms below
Otosclerosis
Overactive Thyroid
Parametritis
Pediculosis
Pelvic Inflammatory Disease
Photodermatosis
Piles
Pityriasis Rosea
Post Viral Fatigue Syndrome (if the only symptom is fatigue)
Pregnancy (provided no complications)
Prickly Heat
Prolapsed Uterus (womb)
Pruritis
Psoriasis (no hospital admissions or consultations)
Psoriatic Arthritis - see special terms below
Reiter's Syndrome - see special terms below
Repetitive Strain Injury
Retinitis Pigmentosa
Rheumatoid Arthritis - see special terms below
Rhinitis (Allergic)
Rosacea
Ruptured Tendons
Salpingo-oophoritis
Scabies
Scalp Ringworm (Tinea Capitis)
Scheuermann's Disease
Sebaceous Cyst
Shingles (herpes Zoster)
Shoulder Injury
Sinusitis
Skin Ringworm (Tinea Corporis)
Sleep Apnoea
Sore Throat
Sprains
Stigmatism
Stomach Bug (resolved)
Strabismus (squint)
Stress Incontinence
Sugar Diabetes - see special terms below
Synovial Inflammation - see special terms below
Synovitis
Talipes (Club Foot)
Tendon Injury
Tennis Elbow
Tenosynovitis
Termination of Pregnancy
Testicles - Epididymitis
Testicles - Hydrocele
Testicles - Variocele
Testicular Cyst
Testicular Torsion (Twisted Testicle)
Throat Infection(s)
Thrush
Thyroid - Overactive
Thyroid Deficiency
Tinea Capitis (Scalp Ringworm)
Tinea Corporis (Skin Ringworm)
Tinea Pedis (Athlete's Foot)
Tinnitus
Tonsillitis
Tooth Extraction
Toothache
Torn Ligament
Torticollis (Wry Neck)
Trichomycosis
Trigeminal Neuralgia
Turner's Syndrome
Twisted Testicle
Umbilical Hernia
Underactive Thyroid
Undescended Testicle
Urethritis (fully recovered, no hospital admissions)
URTI (Upper Respiratory Tract Infection) (fully recovered, no further treatment)
Urticaria
Uterine Polyp(s)
Uterine Prolapse
Varicocele
Varicose Veins - legs only , no ulcers or cellulitis (if GP has confirmed that client is fit to travel)
Vasectomy
Verruca
Vertigo - provided no disabling episodes
Visual Impairment
Vitiligo
Warts (benign, non-genital)
Wheezing - see special terms below
White Coat Syndrome - see special terms below
Womb Prolapse (uterus)
Wry Neck (torticollis)

Special Terms
In addition to any Medical Condition on the list above, you may be automatically accepted for cover, provided You do not have more than ONE of the following Medical Conditions or ANY other Pre-existing Medical Condition.

•Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Synovial Inflammation):

• 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 nebuliser, 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 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 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

Citybond Suretravel is a division of Citybond Holdings plc, 109 Elmers End Road, Beckenham, Kent BR3 4SY.
Registered in Cardiff No. 1478367. Authorised & Regulated by the Financial Services Authority.

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