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  1. What type of medical condition do I need to declare?

    Please refer to the important conditions relating to health detailed within the policy wording.

  2. I have an existing medical condition; can I still have cover under this policy?

    Cover may still be offered but this is subject to you declaring your medical condition/s through our screening service Healthcheck247. This can be integrated within your quotation or please visit and follow the simple online instructions.

  3. A member of my family (not travelling) has an existing medical condition; am I covered to cancel or return home?

    Subject to certain policy terms and conditions, cover may be provided. Please refer to the important conditions relating to health detailed within the policy wording.

  4. My doctor told me that it would be unwise to travel abroad. Does this invalidate my policy?

    Unfortunately, our policy will not cover you if you travel against medical advice. If you are unable to travel then you may be entitled to submit a claim for cancellation.

  5. A member of my family or travelling party has an existing medical condition; can they still have cover under this policy?

    All insured persons with existing medical conditions must declare their condition(s) through our medical screening service Healthcheck247.

  6. I am currently under a course of treatment with my GP. Should I declare this to the insurance company?

    Yes, you should contact our screening department Healthcheck247 to advise them of your medical condition(s).

  7. What is the European Health Insurance card (EHIC)?

    The European Health Insurance Card (EHIC) entitles United Kingdom residents access to necessary state–provided medical treatment, during a temporary visit in the European Economic Area (EEA) countries and Switzerland - at a reduced cost or free of charge. Please click here to apply.

    Dept of Health Guide to Using your EHIC Anywhere : Read more..

  8. What are the benefits of using the EHIC?

    Use of the EHIC removes the policy excess in the event of requiring medical assistance abroad or when submitting a medical expenses claim, where valid. The EHIC also entitles access to necessary state–provided medical treatment at a reduced cost or free of charge. Please click here to apply.

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Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:
  1. have no other pre-existing medical conditions which are not listed below
  2. are not awaiting surgery for the condition
  3. have been fully discharged from any post-operative follow-up
Please click here to read the Special Terms

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 (Arthromyalgia, Joint Pains, Juvenile Arthritis, Osteoarthritis, Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Rheumatoid Arthritis, Still's Disease, Synovial Inflammation):
 • There must have been NO hospital admissions within the last 12 months.
 • No more than 2 medications.
 • No mobility aids (other than walking stick or frame).
 • Must NOT be awaiting surgery.
 • Must have NO lung problems.

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.

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

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

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