Our policy is designed to cover HIV without the need for you to contact a separate medical screening line.However, if you or someone you're travelling with has another medical condition, it must be declared and accepted for cover. Please read the health warranty below, carefully. If any of the situations listed applies, you will need to declare the medical
condition and have it accepted for cover by our medical screening service.
HEALTH
WARRANTY
You
must advise us if any of the following apply to a
person to be insured, a travelling companion, an immediate
relative, close business associate or someone upon
whom the trip depends, (whether they are travelling
with you or not ):
1:
a:
b:
|
Were/have you/they in the last 6 months:
been receiving, recovering from, or on a waiting list
for in-patient treatment in a hospital or nursing
home?
changed the type or dosage of any medication?
|
| 2: |
During the 12 months have you/they suffered from
or received treatment, advice or medication for any
chronic, ongoing or recurring illness or condition
other than for the control of HIV? (A chronic condition
is one lasting three months or more). |
| 3: |
Are you/they were travelling against the advice
of a medical practitioner or in order to get medical
treatment abroad? |
| 4: |
Are you/they have been diagnosed as having a terminal
illness? |
| 5: |
Are you/they waiting for the results of tests or
investigations, or awaiting a referral for an existing
medical condition? |
| 6: |
Other than specified in 1 – 5 above, were
you/they aware of any reason why the trip could be
cancelled or curtailed or of any medical condition,
which could result in a claim? |
|
If any of the above situations applies, please read the following list
of situations when we will not be able to offer you
cover and you therefore should not phone our medical screening line:
| » |
If you have been discharged from hospital in the last month |
| » |
If
you smoke and there is an associated medical condition
that could be affected eg asthma, diabetes, COPD/other respiratory conditions; heart or circulatory
conditions (such as a stroke) |
| » |
If
you have undergone major surgery within the past 3 months or lesser surgery within the last month |
| » |
You are awaiting cardiac surgery or the results of any non-routine investigation or tests (eg an angiogram or MRI scan) |
| » |
You have had a coronary artery bypass graft in the last 3 months and wish to travel within Europe or in the last 6 months and wish to travel outside Europe |
| » |
You require oxygen therapy at home or for any part of your trip |
| » |
You have chest pains at rest or post stenting or bypass |
| » |
If
you have received chemotherapy within the past
3 months |
| » |
If
you have received radiotherapy within the past
1 month |
| » |
If you have secondary tumours |
| » |
If
there has been a change of medication within the
past 1 month |
| » |
If you have been given a terminal prognosis |
|
If your circumstances do not automatically
exclude you from cover, you will need to contact our
medical screening line - Mediquote - to declare the
condition and receive confirmation that
it can be covered. Depending on what your medical condition is, there may be a supplement payable on the basic premium. The basic premium can be found by clicking here.
Our medical screening line will let you know which of three categories your medical condition(s) fall into. A premium supplement may then be payable. You will be charged the premium supplement only if we are able to offer you cover and if you accept it.
Premium supplement per person:
| |
Single trip |
Annual multi trip |
| Low risk |
No supplement |
No supplement |
| Medium risk |
£10 per week (min £15) to a maximum of £30 |
£25 |
| High risk |
£20 per week to a max of £50 |
£50 |
If you would now like to book the policy,
| 1: |
Telephone our medical screening service, Mediquote, on 0845 88 00 169. |
| 2: |
Tell
Mediquote that you are calling for a medical screening
for the It's So Easy Travel Insurance. |
| 3: |
Let
Mediquote know if you would like a single trip
or annual multi-trip policy. If the latter, tell
them the start date you require  |
| 4: |
If
Mediquote says we can include your medical condition(s),
they will tell you if there is a premium supplement payable. This is paid to Mediquote. They will then give you a reference number and confirm your cover in writing. |
| 5: |
Telephone
us with your reference number and we will book
the policy for you or book
online. If you book on-line, please ensure
you list any medical conditions in the box that
asks for your Mediquote reference number. |
| If
Mediquote says it is not possible to cover your medical
condition, you could try calling Medicover on 0870 735 3600 or Free Spirit on
0845 230 5000. These are two other companies that provide
travel information that can include medical conditions,
although they are more expensive than us. Please mention
that you have been referred by It's So Easy Travel Insurance.
If you book with them, they will give us a small commission,
which, as a not for profit organisation, helps our funding.
Thank you. |
VERY
IMPORTANT INFORMATION!
If
someone with a medical condition is traveling with
a partner/spouse, friends and/or family, it is important
everyone is covered under this policy.
If
a holiday has to be cancelled or cut short because
of someone's medical condition, it is likely that
an 'ordinary' policy will not meet the claims of those
travelling with the person who has the medical condition.
This situation is excluded as standard in most policies
- but not ours! Make sure everyone
is adequately insured! |
|
