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Existing
Medical Conditions
(Your's Or Your Travelling Companion's)
This policy does not automatically
cover all existing medical conditions
The term "Existing Medical Condition" has a special
meaning.
Please go to page 8 of the Policy Wording
(PDF) and read this special meaning.
Based on the special meaning, the following are two
examples of existing medical conditions:
1. If you have seen a doctor or taken medication for a
condition in the 90 days prior to the issue of the policy.
2. A chronic or ongoing condition medically documented
prior to the issue of the policy. If you or your travelling
companion have an existing medical condition you should
read on.
"Self Assessment" Existing Medical
Conditions (no cost)
Subject to certain requirements this policy automatically
covers the existing medical conditions shown below, if they are suffered in isolation . This
means the Existing Medical Condition exclusion does not
apply to these conditions in these circumstances
(therefore, no application for extra cover is required).
In the following, references to time are applied to the
date on which the policy is issued (or the date the trip is
booked, whichever is the later).
Asthma - If no attack requiring treatment by
a medical practitioner in the last 12 months.
Cataracts - If you have no ongoing
complications, are not on a waiting list for an operation
and have not been operated on in the last 30 days.
Diabetes - Non Insulin Dependent. If you were
diagnosed over 12 months ago and have not had any
complications in the last 12 months. You must also have a
Blood Sugar Level reading between 4 and 10.
Ear Grommets - With no current infection.
Epilepsy - If there are no underlying medical
conditions and you have not required treatment by a medical
practitioner for a seizure in the last 2 years.
Gastric Reflux - If the condition does not
relate to another underlying diagnosis (i.e..
Hernia/Gastric Ulcer).
Gout - If the gout has remained stable for
more than 6 months.
Hiatus Hernia - If no surgery is planned.
Hip Replacement - If performed more than 6
months ago and less than 10 years ago.
Hypercholesterolaemia - (High Cholesterol) If
you have no known heart conditions.
Hypertension - (High Blood Pressure) Only on
one medication, which has not been changed (including
dosage) in the last six months and you have not been
hospitalised in the last 12 months.
Menopause - Provided you do not suffer from
Osteoporosis.
Peptic Ulcer - If condition has remained
stable for more than 6 months.
Underactive Thyroid - If not as a result of a
tumour.
Other Existing Medical Conditions
(extra cost if approved)
If you wish to be covered for a condition that is not
automatically covered please apply by phoning One
Travel Insurance on 0870 600 0305.
For further information refer to the Policy Wording.
Existing Medical Conditions Of any
other person - non traveller
The term "Existing Medical Condition" has a special
meaning. Please go to page 4 of the Policy Wording
and read this special meaning.
You cannot specifically insure the Existing Medical
Condition/s of any another person who is not travelling.
Please refer to the policy wording under the heading
General Exclusions at point 3.
“We will not cover the following
3. Claims directly or indirectly arising from any Existing
Medical Condition:
b. of any other person
unless the person is hospitalised or dies in the United
Kingdom/Channel Islands/Isle of Man/Republic of Ireland
after the date the policy is issued (or the date the trip
is booked, whichever is the later) and at the time of issue
of the policy the chance of a claim occurring is highly
unlikely. In any event, We will not pay more than £1500
under all sections of the policy combined.”
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