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Travel Insurance & Existing Medical Conditions
If you are travelling with an Existing Medical Condition you should be very careful of the travel insurance you choose.
At Right Cover our policy does NOT automatically cover all Existing Medical Conditions, however we try to accommodate as many Existing Medical Conditions as possible.
This section relates to Existing Medical Conditions of you or your travelling companion.
What is an Existing Medical Condition?
The term "Existing Medical Condition" has a special meaning. Our policy describes an Existing Medical Condition as:
a) Any physical defect, condition, illness or disease for which treatment, medication or advice (including investigation) has been received or prescribed by a medical or dental adviser in the 90 days prior to the issue of the Policy, or the date the trip is booked, whichever occurs last; or
b) any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to the issue of the Policy, or the date the trip is booked, whichever occurs last.
How do I obtain cover for my Existing Medical Condition?
There are two main options for covering Existing Medical Conditions:
1. "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.
2. Other Existing Medical Conditions (extra cost if approved)
If you wish to be covered for a condition that is not automatically covered in the list above, please apply by phoning Right Cover Travel Insurance on 0870 243 0495.
For further information refer to the Policy Wording
Existing Medical Conditions of any other person - non traveller
You cannot specifically insure the Existing Medical Condition/s of any another person who is not travelling.
Please refer to point 3b under the heading General Exclusions of the Policy Wording for further information.
"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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