What is a Controlled Condition?
The TravelCare policy wording states:
‘Controlled Condition’: in relation to each person named on Your Certificate of Insurance, a condition which is stable and for which:
(a) You have not had a change in medication or treatment in the 6 months prior to Your application for insurance; and
(b) You have not experienced symptoms of such a nature as would have caused a reasonable person to seek medical attention in the 24 months prior to Your application for insurance; and
(c) is not otherwise excluded because the condition is found to be medically related to a Pre-Existing Condition; and
(d) is listed below:
• Acne/Eczema/Solar Keratosis/Benign skin conditions
• Coeliac disease
• Congenital blindness
• Congenital deafness
• Gastro-oesophageal reflux
• Glue ear with grommets inserted
• Hypercholesterolaemia – provided You do not also suffer from cardiovascular disease and/or diabetes
• Hypertension – provided You do not also suffer from cardiovascular disease and/or diabetes
• Menopausal symptoms treated with Hormone Replacement Therapy (HRT)
• Pregnancy up to and including the 20th week, providing the pregnancy was without complication prior to Your Start Date of Insurance. Cover is for medical complications only. Common symptoms, including breast tenderness, constipation, fatigue, frequent urination, heartburn and nausea (morning sickness), are not covered.
If Your condition meets Our Controlled Condition definition, Your condition is automatically covered unless We specify otherwise. This means that You do not need to apply for cover, undergo a medical assessment or pay any additional premium to be covered for Your Controlled Condition. If Your condition does not meet Our Controlled Condition definition, Your condition will be considered a Pre-Existing Condition unless cover is sought by You and confirmed by email by Us during the application process.
The terms “Certificate of Insurance”, “We”, “You”, “Your”, “Pre-Existing Condition”, “Our” and “Us” are defined in the Combined FSG and PDS, including Policy Wording.