What is a pre-existing condition?
The TravelCare Policy Wording states:
"Pre-Existing Condition":
In relation to each Relevant Person, any medical or
physical conditions, symptoms or circumstances:
a) which You are aware of, or ought to
have been aware of; or
b) for which advice, care, treatment,
medication or medical attention has been sought, given, or
recommended; or
c) which have been diagnosed as a
medical condition, or an Illness or indicative of an Illness;
or
d) which are of such a nature to require, or
which potentially may require medical attention; or
e) which are of such a nature as would
have caused a prudent, reasonable person to seek medical
attention;
prior to the date You commenced Your Journey. However under this
policy, You are automatically covered for the followingcontrolled
Pre-Existing Conditions:
- Asthma
- Diabetes (both Type 1 and Type 2)
- Eczema
- Gastro-oesophageal reflux
- Glaucoma
- Gout/Hyperuricaemia
- Hayfever/Sinusitis
- Hypercholesterolaemia
- Hypertension
- Hypothyroidism
- HRT
- Epilepsy
- Grommets
- Joint Replacements
- Acne
- Cataracts
- Coeliac disease
- Migraine
- Solar keratosis
- Pregnancy without complication up to and including the 20th
week. Cover is for Unexpected medical complications only. Common
symptoms such as breast tenderness, constipation, fatigue, frequent
urination, heartburn and nausea (morning sickness) are not
covered.
This means that You do not need to apply for cover, obtain a
medical assessment or pay any additional premium to be covered for
these conditions.
By controlled, We mean:
The condition is stable and You have not had a change in
medication or treatment in the last 6 months, or experienced
symptoms of such a nature as would have caused a prudent reasonable
person to seek medical attention, or been hospitalised (including
day or emergency department attendance) for that condition in the
last 24 months.
The terms "Relevant Person", "You", "Illness" and "Your Journey"
are defined in the Policy Wording.