You must comply with the following conditions to have the full protection of your
If you do not comply we may at our option cancel the Insurance Certificate or refuse
to deal with your claim or reduce the amount of any claim payment.
Please note: If you are answering the medical questions on behalf of someone else,
you must make sure that you have all of the required information to answer the
medical questions fully and accurately.
You will not be covered under Section 1 - Cancellation, Section 2 - Expenses arising
from illness or injury, Section 3 - In-patient compensation, Section 4 - Curtailment
and Section 5 - Personal Accident for any trip where at the time of taking out this
insurance or booking each trip, whichever is the latter, you:
are waiting for an operation, hospital consultation (other than for regular
checkups for a stable condition) or other hospital treatment or investigations, or
are awaiting the results of any tests or investigations; or
have received a terminal prognosis; or
travel against the advice of a medical practitioner or where you would have
been if you had sought their advice before beginning your trip; or
know you will need treatment or consultation at any medical facility during
your trip; or
are travelling specifically for the purpose of obtaining and/or receiving any
elective surgery, procedure or hospital treatment; or
are aware of a medical condition for which you have not had a diagnosis; or
travel against any health requirements stipulated by the carrier,
their handling agents or any other public transport provider.
At the time of taking out or renewing this insurance you will need to contact the
Medical Screening Line in the following circumstances:
You should call the Medical Screening Line if you:
need to declare a medical condition;
are unsure whether a medical condition needs to be declared or not;
answer ‘Yes’ to any of the Medical Screening Questions shown opposite.
You develop a new medical condition after your Insurance Certificate was issued;
Your existing medical condition changes after your Insurance Certificate was issued.