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In addition to any Medical Condition shown in the above table, You may be automatically accepted for cover if You have ONLY ONE of the following conditions provided you have NO other Pre-Existing Medical Condition(s).
Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Syndrome, Rheumatism):
• There must have been NO hospital admissions within the last 12 months.
• Must NOT affect the back more than any other area of the body.
• No more than 2 medications.
• No mobility aids (other than walking stick or frame).
• Must NOT be awaiting surgery.
• Must have NO lung problems.
Asthma (Wheezing):
• There must have been NO hospital admissions EVER.
• Must have been diagnosed prior to age 50.
• Must be controlled with no more than 2 medications (NO nebulizer, NO home oxygen).
• Must have been a non-smoker for at least 12 months.
• Must be able to walk 200 yards on the flat without becoming short of breath.
Diabetes Mellitus (Sugar Diabetes):
• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.
• Controlled by diet alone or by no more than 1 medication (no Insulin).
• There must have been NO hospital admissions or diabetic complications EVER.
• Must have been a non-smoker for at least 12 months.
Down’s Syndrome:
• There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities).
Hypercholesterolaemia (High/Raised Cholesterol):
• No more than 1 medication.
• Must NOT be the inherited form.
• Must have been a non-smoker for at least 12 months.
Hypertension (High Blood Pressure, White Coat Syndrome):
• No more than 2 medications.
• There must have been no change in treatment within the last 6 months.
• Must have been a non-smoker for at least 12 months.
Hypotension (Low Blood Pressure):
• Must NOT be associated with any underlying condition.
Osteoporosis (Osteopaenia, Fragile Bones):
• There must have been NO vertebral (backbone) fractures.
If You have any other Pre-Existing Medical Condition(s), the Medical Condition does not meet the above criteria or You have more than one condition, You must contact the Medical Screening Company on 01 633 0001 to declare ALL Your Pre-Existing Medical Conditions to ensure that the cover will meet Your needs.
IMPORTANT: Cover for any pre-existing medical condition accepted by the Medical Screening Company is only valid when purchasing a travel insurance policy from Travel Insurance Direct Ireland.
Please note that cover cannot be offered for any Pre-Existing Medical
Condition if You, or the person You are travelling with:
• are awaiting the results of medical tests or investigations;
• are travelling against the advice of a Medical Practitioner;
• are travelling for the purpose of obtaining medical treatment;
• are on a hospital waiting list;
• have been given a terminal prognosis;
Please also note there is no cover for claims arising from any pyschological condition (including anxiety, stress, depression, psychiatric or eating disorders, phobias).
As is consistent with the treatment of all pre-existing medical conditions under the Policy, the Policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancies) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The Policy does, however, cover You should complications arise with Your pregnancy due to Accidental injury or unexpected illness which occurs while on Your Trip.
Travel Insurance Agencies Limited, trading as Travel Insurance Direct Ireland, is authorised/licensed or registered by the Financial Services Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. |
PRE-EXISTING MEDICAL CONDITIONS
