IMPORTANT MEDICAL CONDITIONS

It is very important that you read and understand the following :

1. Unless You have been given Our written agreement, we will not cover PRE-EXISTING MEDICAL CONDITION(S) (as defined below) directly or indirectly resulting from you or anyone in your travelling party or any non-travelling CLOSE RELATIVE or BUSINESS ASSOCIATE, on whose health your trip may depend, having ever suffered from, or been treated for, or diagnosed with, any of the following medical conditions before the issue date of your policy:-

    a) a cardiovascular or heart related condition (heart attack, angina, chest pain, hypertension, and the like; or
    b) a lung or respiratory related condition (not including asthma, when it is controlled and you have no other medical condition); or
    c) a stroke, brain stroke or TIA (Transient Ischaemic Attack); or
    d) a psychological or psychiatric condition such as stress, anxiety, depression, dementia, eating disorder, malaise, fatigue (burn out syndrome); or
    e) an organ transplant or dialysis; or
    f) a terminal condition.

2. You will not be covered for any claim arising from a medical condition of someone you were going to stay with, a relative, a business associate, a travelling companion, or anyone on whose health your trip may depend if you are aware of the medical condition at the time your policy was issued.
3. You will not be covered if you have a medical condition, if you are travelling against medical advice or for which medical advice should have been sought before commencing your journey.
4. You will not be covered if you know you will need medical treatment during your journey or you are travelling specifically to get medical treatment.
5. You will not be covered if you have a medical condition for which treatment is awaited as a hospital in-patient or have a medical condition that is under investigation when your policy was issued.

If any of the applicable conditions applied, You must tell us as soon as possible by contacting Journeys Medical Screening Helpline or log in to ww.journeysmedical.co.uk, so that ,we can do assessment of the medical information supplied. If we agree to cover your condition, our agreement will be advised in writing and a further term may apply.

For your own security and to register your call, you MUST obtain a Medical Screening Endorsement number to validate the Medical Screening upon completion. Without this your declaration shall not be valid.

Contact Journeys Travel Insurance - Medical Health Requirement Helpline during normal office hours, Monday to Friday, 09.00- 17.30. Tel: 0844 567 8648 or logging onto www.journeysmedical.co.uk

IMPORTANT MEDICAL EXCLUSIONS

We will NOT cover:

We will not cover:

• Where either YOU or a CLOSE RELATIVE are awaiting tests or treatment, or awaiting the results of tests or treatment, or have received a terminal prognosis.
• If YOU have any undiagnosed symptoms that may require treatment in the future (ie symptoms for which YOU are awaiting investigation/consultations, or awaiting results of investigations, and where the underlying cause has not been established)

In respect of all cover provided under SECTIONS A, B & C (Cancellation or Curtailment, Medical and Other Expenses and Personal Accident) we reserve the right:

   1. At our discretion to require any person applying for cover to undergo Journeys Medical Screening
   2. To vary the conditions or premium on which cover is offered.