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Pre-Existing Medical Conditions


For Europesure policies commencing 85xxxx and 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.