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Do I have to declare my Pre-existing Medical
Condition?
Check Here |
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This insurance
is available to all permanent residents within the European Union, if
they have been resident for 6 months prior to taking out travel
insurance and is registered with a Medical Practicioner. |
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Stay Safe &
Healthy Abroad |
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For Details |
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Pre-existing Medical Conditions Check for Travel Insurance
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
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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):
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• 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):
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• 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):
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• 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:
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• There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities) |
• Hypercholesterolaemia (High Cholesterol):
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• 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):
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• 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):
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• Must NOT be associated with any underlying condition. |
• Osteoporosis (Osteopaenia, Fragile Bones):
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• There must have been NO vertebral (backbone) fractures |
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