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PRE-EXISTING MEDICAL CONDITIONS
No claim arising directly or indirectly from any Pre-existing Medical Condition(s) affecting any person travelling under this insurance will be covered unless you declare ALL condition(s) to the Medical Screening Helpline prior to the commencement of the trip and they accept the condition(s) for insurance in writing.
For the purposes of this insurance a Pre-existing Medical Condition is considered to be:
- any past or current medical or psychological sickness, disease, condition, injury or symptom that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and
- any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip.
1 Are you aware of any UNDIAGNOSED symptoms that may require attention or investigation in the future?
> If YES, unfortunately this policy cannot be extended to provide medical cover for any person with undiagnosed medical conditions. The Underwriters will be happy to reconsider an extension of your policy upon receipt of a full diagnosis or full clearance from your doctor.
2 Have you or anyone travelling under this policy suffered from, been prescribed any medication, received any treatment, or attended any consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last 2 years?
3 Has anyone travelling under this policy EVER had or received any treatment, investigations or tests for:
A heart attack, angina, chest pain(s), or any other heart condition or disease?
High blood pressure, blood clots, raised cholesterol, aneurysm or any circulatory disease?
Any form of stroke, transient ischaemic attack, or brain haemorrhage?
If You have answered ‹Yes› to questions 2 or 3 in respect of yourself or anyone travelling under this policy you must contact the Medical Screening Helpline on 0871 855 3500 to declare the condition(s) and make sure that the cover will meet your needs. You will be asked further questions about the condition(s) and an additional premium may be payable to cover the declared condition(s).
CANCELLATION AND CURTAILMENT COVER
It is important to note that the policy contains conditions and exclusions – including some in relation to non-insured travelling companions, close relatives or persons with whom you intend to stay whilst on your trip (in the event of any need to cancel or curtail a trip). Please ensure that you read your policy document carefully.
Your insurance also covers the
cancellation or curtailment of Your
holiday resulting from the illness of any
person on whom Your holiday plans
depend. If they have a pre-existing medical
condition(s), these should also be declared
to Our Medical Helpline.
IMPORTANT: If there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any trip, the Underwriters must be informed of these changes, by contacting Our Medical Helpline.
RECIPROCAL HEALTH AGREEMENT -
Travellers to European Union countries are
strongly advised to obtain a European Health Insurance Card (EHIC) -
- the replacement for the E111.
This will entitle them to benefit from the reciprocal health
arrangements which exist between European
Union countries. In the event of liability
being accepted for a medical expense which
has been successfully reduced by the use of an EHIC
or private Health Insurance, the deduction
of the excess under Section 2 (EMERGENCY MEDICAL EXPENSES AND
REPATRIATION) will not be applied. This does not
apply where special excess terms have been
imposed.
IN THE CASE OF A MEDICAL EMERGENCY AND
FOR GENERAL CLAIMS PLEASE READ YOUR TERMS AND CONDITIONS.
PRIVATE MEDICAL TREATMENT IS NOT COVERED
UNLESS SPECIFICALLY AUTHORISED BY THE
EMERGENCY SERVICE.
IMPORTANT: Please carry your certificate with you in case of emergency.
Important features
Insurance Policy: this contains full details of the cover provided plus the conditions and exclusions which apply to it.
You must read the insurance policy carefully. Conditions and Exclusions:
there are conditions and exclusions which apply to individual sections and
general conditions and exclusions which apply to the whole policy. Date Change Exclusion:
Changes in dates could see widespread failure of computer and other systems
containing computer chips, which depend on date-related information in order
to work properly. Other than in respect of Sections 2 and 12, Your policy
excludes anything directly or indirectly caused by failure of any computer
hardware or software or other electrical equipment to recognise or process
any date as its true calendar date.
Medical Expenses: the policy does not provide private health treatment unless specifically approved by the emergency service. Health: the
certificate contains conditions relating to the health of the people
travelling and others upon whose well being the Trip may depend. It may be
that You are required to disclose the condition of such people prior to
cover being issued and You must be aware that failure to disclose such
information will prejudice Your position in the event of a claim. Property Claims: these are settled on an indemnity basis - not on a "new for old" or replacement cost basis, unless otherwise stated in the policy. Limits: most sections of the policy have limits on the amount We will pay under that section. Some sections also include inner limits eg: for one item, or for valuables (see definition) in total. Excesses:
claims under most sections of the policy will be subject to an excess. Where
there is an excess, You will be responsible for paying the first part of a
claim. Applicable per person.
Pregnancy: This policy does not cover pregnancy where the Insured Person is expected to give birth before or within 10 weeks (or 16 weeks in the case of a known multiply pregnancy) of the
booked return date.
Reasonable Care: You are required to take all reasonable care to protect yourself and
Your property and to act as though
You are not insured.
Complaints: the insurance policy includes a complaints procedure which tells
You what steps You can take if Youwish to make a complaint.
"Cooling Off" Period: the policy contains a "cooling off" period which allows
You to return it and obtain a full refund if You have justifiable reason to be dissatisfied with the cover provided.
If this insurance does not meet Your requirements, please return it to the issuing Agent or Broker within 14 days of receipt. You must NOT have travelled or submitted a claim during this period, in order to obtain a full premium refund.
Hazardous Holiday Activities: the policy may not cover
You when You take part in certain hazardous activities (for example, mountaineering). If
You want cover for such activities You may need to arrange a specialist policy.
Making
a Claim (for policies purchased on or after 22 December 2007 only).
(for policies purchased prior to 22 December 2007 click here)
If You need to make a claim, first check Your certificate and the appropriate section of Your policy, to make sure that what You are claiming for is covered. Then telephone Our Claims Helpline to obtain a claim form, giving Your name, certificate number and brief details of the claim. Please note that calls may be recorded or monitored for quality purposes.
All claims must be notified to the Claims Department within 28 days of the incident occurring. For all claims, You will need to send Your original insurance certificate and Your original holiday booking invoice. Please remember that it is always advisable to retain copies of all documents when submitting Your claim form.
• Please telephone Europ Assistance on
Tel: +44 (0)871 8 55 22 88;
quoting reference 08ATL
When contacting the claims handler, please have the following information to hand;
Your Master Policy Certificate Number 08ATL,
Name of Your Policy and where it was purchased,
Policy Number,
Resort and Country visited
Value of the claim
Brief circumstances
Travel Dates
Incident Date
Failure to have the above information to hand may result in Your claim being delayed.
CANCELLATION DUE TO MEDICAL REASONS
You must obtain your Medical Practitioners confirmation that cancellation is necessary prior to cancelling Your Journey.
CANCELLATION ALL REASONS
You must contact Us as soon as You know that there is a possibility of Your Journey not taking place.
You must notify the Tour Operator or Travel Agency where Your Journey was booked as soon as it is confirmed that it will be necessary to cancel Your Journey.
CURTAILMENT
If due to Your injury or illness You must obtain a medical certificate from the treating Medical Practitioner in the locality where the incident occurred which confirms that Curtailment is medically necessary.
You must in all cases obtain authorisation from the 24 Hour Medical Emergency Service (or from Us) before incurring any expenses in Curtailing Your Journey.
EMERGENCY MEDICAL TREATMENT
PLEASE REFER TO THE 24-HOUR EMERGENCY SERVICE SECTION FOR CASES INVOLVING MORE THAN SIMPLE OUTPATIENT TREATMENT.
MEDICAL TREATMENT
You must keep receipts or accounts for all expenses incurred.
You should pay the hospital/clinic/doctor for routine or simple outpatient treatment and claim for reimbursement upon Your return to the UK .
If You are in any doubt concerning the level of treatment please consult the 24 Hour Medical Emergency Service for guidance.
LOSS OR DAMAGE OF POSSESSIONS IN TRANSIT
You must report the loss or damage to the carrier (i.e. Airline, Railway, Shipping Company, Bus Company etc) and obtain their written report before leaving the baggage reclaim area.
For all damage claims obtain an estimate for repairs, do not dispose of damaged items.
In all circumstances You must retain receipts or vouchers for items lost or damaged.
LOSS OF PERSONAL POSSESSIONS OR MONEY
You must be able to produce receipts for the purchase of essential replacement items.
You must report all theft or losses to the local resort Police within 24 hours of discovery of such loss or theft and obtain a written Police report.
Report the incident to Your Courier, Tour Representative, Hotel Manager or Accommodation Manager whichever is appropriate and obtain their written report.
In the case of loss of Cash You must obtain confirmation from Your bank or bureau de change of the issue of foreign currency.
For loss of passport You need to supply Us with a letter from the Consulate and retain all relevant receipts.
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