IMPORTANT EXCLUSIONS RELATING TO YOUR HEALTH

The way we deal with existing medical conditions has changed. There is no need to make a declaration and we no longer have a medical screening line. All you need to do is read and confirm the statements below.

TO BE ELIGIBLE FOR COVER YOU MUST BE MEDICALLY FIT TO TRAVEL:

  1. on the date of purchasing this policy; and
  2. booking any trip; and
  3. on the date(s) you pay any further instalments or final balance; and
  4. on the date of departure of the trip.

Being medically fit to travel means:

  1. any existing medical condition(s) you have must be stable and controlled by any treatment you are receiving and/or medication(s) you have been prescribed; and
  2. there must be no known likelihood of any specific treatment or variation of medication for any existing medical condition(s) on any of the above dates, or whilst travelling; and
  3. you are not exhibiting symptoms of an existing medical condition which could mean that your trip could be cancelled or cut short.
It is always advisable to consult a doctor if you have any doubts about whether you are medically fit to undertake a trip.

YOU WILL NOT BE ELIGIBLE FOR ANY COVER UNDER THIS INSURANCE IF:

  1. Following any claim investigation, your doctor confirms you were not fit to undertake your travel plans when you took out this policy, booked your trip or at the time you travelled (whichever is later).
  2. You know you will need medical treatment or a consultation at a medical facility during your trip.
  3. You are travelling specifically for the purpose of having surgery, medical procedures or hospital treatment, whether medically necessary or not.
  4. You had been diagnosed with a terminal illness prior to the date you took out this policy or booked your trip (whichever is later)
  5. You are affected by any medical condition that you are aware of, that could reasonably be expected to result in a claim on this policy.
  6. are aware of a Medical Condition for which You have not had a diagnosis.
  7. travel against any health requirements stipulated by the carrier, their handling agents or
  8. any other Public Transport provider.

YOU WILL NOT BE COVERED

If you are waiting for an operation, hospital consultations (other than for regular checkups for a stable well controlled condition) or other Hospital treatment for a diagnosed condition, unless your medical practitioner has confirmed that you are medically fit to travel under:

  1. Section 1 - Cancellation or Curtailment Charges,
  2. Section 2 - Emergency Medical & Other Expenses,
  3. Section 3 - Hospital Inconvenience Benefit and
  4. Section 4 - Personal Accident

YOU WILL BE COVERED FOR MINOR AILMENTS e.g. hay fever, tonsillitis, ear infections, colds / flu, skin irritations, chiropody, dental treatment etc. provided you:

  1. were only prescribed short term antibiotics, non-prescription pain killers, creams / ointments.
  2. have had no further problems since; or
  3. have been advised by your doctor that it is safe to travel.

Note: This is not a private medical insurance policy and only gives cover for emergency medical treatment in the event of accident or unexpected illness occurring during your journey.