Our Policy covers some pre-existing Medical conditions.
The definition of a Pre-existing medical condition is found on page 12 of the policy wording and says:
A Pre-Existing Medical Condition is:
a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have received treatment during the last 60 consecutive months (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication);
b) Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the twelve months before the start of your trip, or for which you are on a waiting list for, or have knowledge of the need for, surgery treatment or investigation at a hospital, clinic or nursing home;
c) Any medical condition for which you are taking prescribed drugs or medication;
d) Any medical condition for which you have received a terminal prognosis;
e) Any medical condition that you are aware of but for which you have not had a diagnosis.
If you suffer from any condition listed in a) above and you have received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist, which are not routine, and/or newly prescribed drugs or medication) during the 60 consecutive months before the commencement of your trip, you will not have cover under the Europesure policy.
The Europesure policy will give you cover if you suffer from any condition listed in a) above but you have not received treatment and the condition has been stable and well controlled on GP administered medication for the full 60 months before the start of your trip. Treatment includes but is not limited to: non-routine tests or investigations by your doctor or a consultant/specialist; hospital admission or referral and/or newly prescribed drugs or medication because of a worsening of your condition.
The Europesure policy will not give cover for any of the medical conditions described in b), d) and e) above.
However, the following list of conditions will automatically be covered, provided that the statement in brackets applies to you.
- ADHD (Attention Deficit Hyperactivity Disorder)
- Any disabilities impairing mobility, vision or mental health providing anInsured Person is accompanied by an appropriate carer for when any assistance is required
- Arthritis – Juvenile, Osteoarthritis, Rheumatoid or Psoriatic arthritis, Reiter’s Syndrome, Rheumatism. (There must have been no hospital admissions within the last 12 months. The arthritis must not affect the back more than any other area of the body. The Insured Personmust not be taking more than 2 medications. The Insured Person must not require any mobility aids, other than a walking stick. There must have been no dislocations or any joint replacements. The Insured Person must not be awaiting surgery. The Insured Person must have no lung problems/respiratory disorders.)
- Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food intolerance & Hay Fever)
- Asthma (providing it was diagnosed before age 50, and theInsured Person is taking/using no more than 2 medications/inhalers and has not been admitted to hospital in the last year)
- Bells Palsy
- Benign Positional Vertigo
- Bladder Infection
- Breast Cancer/Prostate Cancer (provided the Insured Person: -was diagnosed more than 12 months ago; -has not had any chemotherapy or radiotherapy in the last 12 months and the cancer has not spread outside the breast or prostate at any time; -in the case of cancer of the prostate the Insured Personmust have a PSA of 3.0 or less)
- Carpal Tunnel Syndrome
- Coeliac Disease
- Congenital Blindness
- Corneal Graft
- Cystitis (provided no ongoing treatment)
- Diabetes (providing there have been no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, leg or foot amputation, liver damage).
- Dry Eye Syndrome
- Enlarged Prostate (benign only)
- Essential Tremor
- Folate Deficiency
- Fungal Nail Infection
- Gallbladder Removal (no complications)
- Gastric Reflux
- Hay Fever
- Hiatus Hernia
- High Cholesterol
- Hormone Replacement Therapy – HRT
- Hypertension – High Blood Pressure
- Hypotension – Low Blood Pressure (Must not be associated with any underlying condition)
- Insulin Resistance
- Macular Degeneration
- Meniere’s disease
- Osteoporosis – Osteopenia, Fragile Bones (There must have been no broken bones within the last 5 years)
- Pernicious Anaemia
- Prostate cancer – see Breast cancer above
- Raynaud Disease
- RSI (Repetitive strain injury/Tendinitis)
- Underactive or Overactive Thyroid
If you have a medical condition, which isn’t shown in Definition a) or excluded by the Definitions a), b), d) and e) above, but is not on the above list of automatically covered conditions, you will have cover if the following apply:
- The condition has been stable and well controlled for the 24 months before the start of your trip on GP administered medication.
- You have not required a hospital admission or referral to a specialist because of a worsening of your condition.