This insurance contains conditions that relate to your health and the health of others who might not be travelling with you but whose well being your trip may depend on. In particular we do not cover medical problems that you or they had before the cover started, unless the medical condition has been declared to and accepted by underwriters. However, the following conditions may be accepted under the terms of the Policy, without a declaration being made, provided you or the person whose well being your trip may depend on:
-
has received no treatment as a hospital in patient or out patient in the 12 months prior to taking out this policy
-
is not undergoing or waiting to undergo further tests or consultation
-
is not on a hospital waiting list
-
their condition is stable
-
is not travelling against the advice of a doctor or to seek medical treatment abroad
-
has not been referred to a specialist or consultant in previous 12 months or is waiting to see a specialist or consultant
|
| Abscess/Boil |
Fractures, provided successfully repaired |
Knee Replacement |
| Acne |
Gall Bladder Removal |
Lipoma (Benign Fatty Lump) |
| Allergy, provided allergic reaction is not life threatening |
Glandular Fever |
Migraine |
| Appendectomy |
Glaucoma |
Overactive Thyroid |
| Asthma, Mild* |
Goitre |
Perforated Ear Drum |
| Bells Palsy |
Gout |
Polyps Benign |
| Benign Lump/Growth |
Grommets |
Psoriasis |
| Cartilage Damage |
Haemorrhoids |
Rhinitis |
| Damaged Ligaments |
Hiatus Hernia |
Sinus Problems |
| Dermatitis provided not taking oral steroids |
High Blood Pressure*** |
Sinusitis |
| Diabetes Mellitus** |
Hormone Replacement Therapy |
Talipes (Club Foot) |
| Dislocation |
Hypertension*** |
Tendon Problems |
| Ear Infection |
Hyperthyroidism |
Thyroid Problems |
| Eczma - provided not taking oral steroids |
Hypothyroidism |
Tinnitus |
| Endometriosis |
Hysterectomy (Non Cancerous) |
Tonsillectomy |
| Enlarged Prostrate (Benign) |
Impotence |
Twisted Ovaries |
| Fatty Lump (benign) |
Indigestion |
Underactive Thyroid |
| Fibroids |
Irritable Bowel Syndrome |
Varicose Veins |
| Vasectomy |
Vertigo |
|
* On up to 2 types of medication, well controlled, suffered in isolation. No cover if using more than 2 inhalers
** Provided controlled by diet/tablets only, suffered in isolation and no associated kidney/blood vessel/nerve/eye/circulation problems
*** Provided suffered in isolation and you are taking no more than 2 types of medication
If you or any others who might not be travelling with you but whose well being your trip may depend on have, at the time of arranging this insurance (or if there is a change in medical condition(s) between the date of arranging your policy and the booking of each trip if you have purchased an Annual Multi-Trip Policy) have suffered from any medical conditions not referred to above, please contact Downunder on 0800 393 908 who may be able to accept the stated condition(s) in return for additional premium and/or changes in terms. Please also see General Exclusion 1. |