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Pre-Exist


For Europesure policies commencing 8xxxxx, the following General Exclusion (number 9 on Page 15) of the Policy Wording states –

9. any pre-existing condition known about at the inception date of travel. This exclusion shall not apply if such pre-existing condition has been without the necessity of medical Consultation or Treatment for 24 consecutive months, or 60 months in the case of heart-related and cancer-related conditions, prior to the commencement date of the Trip. Controlled blood pressure and non-inherited cholesterol conditions, where there has been no change in routine prescribed medication, for 24 consecutive months prior to the start of Your Trip, are not considered to be pre-existing conditions.

Consultation and treatment are defined as:

5. Consultation

Any visit to a Medical Practitioner or hospital which is not routine and that may require further medical investigation

23. Treatment

Medical care given to a patient for illness or injury, which includes, but is not limited to, emergency or urgent care for the unexpected occurrence of a medical condition during Your Trip or any change in a routine or regularly prescribed medication by Your usual Medical Practitioner to manage or control a chronic or long-term medical condition before the start of Your Trip.

For Europesure policies commencing 7xxxxx, the following General Exclusion (number 8 on Page 7) of the Policy Wording states –

We shall not be liable for claims arising from any pre-existing condition at the inception date of the period of travel.

This exclusion shall not apply if such pre-existing condition has been without the necessity of medical consultation or treatment for 24 consecutive months or 60 months in the case of heart related conditions (excluding controlled blood pressure or non inherited cholesterol) or cancer related conditions prior to the commencement date of the period of travel.