Policy Wording - Insure me 4

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No claim arising directly or indirectly from a pre-existing medical condition affecting you will be covered unless: • You have declared ALL pre-existing medical conditions to us; and • You have declared any changes to your health or prescribed medications; and • We have accepted the conditions(s) for insurance in writing. Each insured person who has a pre-existing medical condition must make a medical health declaration before each period of insurance and, if there are any changes in your health or prescribed medication, prior to commencement of the period of insurance, before departing on any trip and throughout the life of your policy. Failure to declare ALL pre-existing medical conditions that are relevant to the insurance may invalidate the policy. We may require you to obtain a medical report from your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred from obtaining this medical report shall be borne by you. Based on our assessment of the medical information supplied to us, we will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If we offer cover, and, if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by us and written confirmation has been provided by us. To declare a pre-existing medical condition or a change in your state of health or prescribed medication, you should contact the Medical Screening Helpline during office hours on 0844 692 8418. An additional premium may be required when adding medical conditions to your policy or when changing the current medical declaration. You should also refer to the General Exclusions. The following medical conditions are covered without additional charge and subject to the normal terms and conditions of this insurance, provided that: a) the insured is not awaiting surgery for the condition; and b) the insured has been fully discharged from any post-operative follow-up. *Waived Conditions Abnormal Smear Test Achilles Tendon Sprain Acne rosacea Acne vulgaris Acronyx (Ingrowing Toe-nail) Adenoids Alopecia Anal Fissure/Fistula Appendectomy Arcus senilis Astigmatism Atopic dermatitis (no hospital admissions or consultations) Attention Deficit Hyperactivity Disorder Bactrial gastroenteritis (resolved) Bell’s Palsy (Facial Paralysis) Benign Prostatic Enlargement Bladder Infection (no ongoing treatment, no hospital admissions) Blepharitis Blindness Breast enlargement (with no further follow up) Breast Fibroadenoma Breast reduction (with no further follow up) Burst eardrum Caesarean Section Candidiasis (oral or vaginal) Carpal Tunnel Syndrome Cataracts Cervical Erosion Cervicitis Chalazion Chicken Pox (fully resolved) Cholecystectomy Coeliac Disease Cold sores Common Cold(s) Conjunctivitis Constipation Contact dermatitis (no hospital admissions or consultations) Corneal abrasion (no further treatment required) Corneal Graft Cyst Breast Phyllodes tumors of the breast Cyst Testicular Cystocele (fully recovered, no hospital admissions) Deafness Deviated Nasal Septum Dilatation and Curettage Dislocations (no joint replacement or hospital admissions) Dry Eye Syndrome 8 Travel Insurance Policy Documents
Dysmenorrhoea Dyspepsia Ear Infections (resolved must be all clear prior to travel if flying) Eczema (no hospital admissions or consultations) Elbow bursitis (fully resolved) Epididymitis Epistaxis (Nosebleed) Erythema Nodosum Essential Tremor Femoral Hernia Fibroid Uterine Fibromyalgia Fractured or broken ankle (no osteoporosis, no longer having follow up) Fractured or broken fingers (no osteoporosis, no longer having follow up) Fractured nose Fractured or broken toes (no osteoporosis, no longer having follow up) Fractured or broken wrist (no osteoporosis, no longer having follow up) Fractured or broken leg (no osteoporosis, no longer having follow up) Fractured or broken arm (no osteoporosis, no longer having follow up) Fractured or broken jaw (no osteoporosis, no longer having follow up) Fractured or broken rib (no osteoporosis, no longer having follow up) Fractured or broken foot (no osteoporosis, no longer having follow up) Fractured or broken hand (no osteoporosis, no longer having follow up) Frozen Shoulder Full rupture of achilles tendon Ganglion Gingivitis Glandular Fever (full recovery made) Glaucoma Goitre Gout Grave’s Disease Gynaecomastia Travel Insurance Policy Documents Haematoma (external) Haemorrhoids (Piles) Hallux Valgus (Bunion) Halotosis Hammer Toe Herpatic whitlow Hip cartilage tear Total hip joint replacement (wih no dislocations) Hip hemi arthroplsty (with no dislocations) Hives (Nettle Rash) HRT (Hormone Replacement Therapy) Hyperhidrosis Hypospadias Ilio tibial band injury Impetigo Infected lacrimal duct (no ongoing treatment) Influenza (full recovery made) Inguinal hernia Insomnia Intercostal Neuralgia (no admissions) Intertrigo Intraductal breast papiloma Iritis Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations) Keinboeck’s Disease Keratoconus Knee bursitis (fully resolved) Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement) Kohlers Disease Labral cartilage tear of the shoulder Labyrinthitis Lacrimal duct stone Laryngitis Learning Difficulties Leptothrix Leucoderma Lichen Planus Lipoma Macular Degeneration Mastitis Mastoidectomy Meniscus cartilgage injury Menorrhagia Migraine Miscarriage Congenital melanocytic naevi (common mole) Dermal naevus (common mole – raised) Blue naevus Congenital naevus (birthmark) Molluscum Contagiosum Mutism Myalgic Encephalomyelitis (ME)(if the only symptom is fatigue and no hospital admissions) Myxoedema Nasal Polyp(s) Nettle Rash (Hives) Nosebleed(s) Nummular dermatitis (no hospital admissions or consultations) Nystagmus Osgood-schlatter’s Disease Osteochondritis Otoplasty (with no further follow up) Otosclerosis Parametritis Patellar cartilage injury Patellar tendon injury Pediculosis Baker’s cyst Perioral dermatitis (no hospital admissions or consultations) Photodermatosis Pigment dispersion syndrome Pityriasis Rosea Post Viral Fatigue Syndrome Pregnancy (provided no complications) Prostatitis Pustular psoriasis (no hospital admissions or consultations) Guttate psoriasis (no hospital admissions or consultations) Inverse psoriasis (no hospital admissions or consultations) Plaque psoriasis (no hospital admissions or consultations) Erythrodermic psoriasis (no hospital admissions or consultations) Nail psoriasis (no hospital admissions or consultations) Repetitive Strain Injury Retinitis Pigmentosa Rhinitis (Allergic) Rotator cuff tendon injury Salivary duct stone Salpingo-oophoritis Scabies 9
Page 1 and 2: …part of the Staysure family Trav
Page 3 and 4: Contents Useful Telephone Numbers 2
Page 5 and 6: We will pay for any claim you make
Page 7 and 8: Cover Travel Insurance Policy Docum
Page 9: • Third party liability: if you u
Page 13 and 14: Hypertension (High Blood Pressure,
Page 15 and 16: • Injuries which are a direct res
Page 17 and 18: Zone 3 - All countries Worldwide, e
Page 19 and 20: sections of the policy the insuranc
Page 21 and 22: Unattended - When you cannot see an
Page 23 and 24: What is not covered: The cost of an
Page 25 and 26: e) normal wear and tear; f) any sel
Page 27 and 28: Travel by air will be limited to on
Page 29 and 30: Section 7 Travel delay This section
Page 31 and 32: If you arrive at the airport, port
Page 33 and 34: • liability in respect of a pair
Page 35 and 36: • the policy excess; • anything
Page 37 and 38: ) If the appointed preferred law fi
Page 39 and 40: What is not covered: • any claim
Page 41 and 42: insured person: • for all reasona
Page 43 and 44: which are not used due to you being
Page 45 and 46: Section C - Photographs and videos
Page 47 and 48: Horse jumping Scuba diving (unquali
Page 49 and 50: Excursions; Eurotunnel; Theme parks
Page 51 and 52: • The insured person’s travelli
Page 53 and 54: Claims You must tell us in writing
Page 55 and 56: Section 33 Optional travel disrupti
Page 57 and 58: Special conditions relating to clai
Page 59 and 60: 2. Any medical information supplied
Page 61 and 62:
6. We will not pay for any losses w
Page 63 and 64:
• Make a claim in respect of any
Page 65 and 66:
If you refer a complaint to the Fin
Page 67 and 68:
Requesting assistance In an emergen
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Policy Wording - Insure me 4

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