Pre-Existing Medical Conditions Travel Insurance
Stay healthy on your travels - our policies will cover 50+ pre-existing medical conditions for free! Please carefully read all of the important information given below and contact us if you are still uncertain or have any questions.What is a pre-existing medical condition?
It is a condition of this insurance that you will not be covered under Section A – Cancellation or curtailment charges, Section B – Medical, repatriation and other expenses, or Section C - Personal accident of this policy for any claims arising directly or indirectly from any pre-existing medical condition that you have unless the pre-existing medical conditions that you have are included in the list of No Screen Conditions shown in this section and the words in brackets apply to you.
A Pre-Existing Medical Condition means:
- Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication);
- Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or for which you are on a waiting list for or have knowledge of the need for surgery treatment or investigation at a hospital, clinic or nursing home;
- Any medical condition for which you are taking prescribed drugs or medication;
- Any medical condition for which you have received a terminal prognosis;
- Any medical condition that you are aware of but for which you have not had a diagnosis.
ACCEPTED MEDICAL CONDITIONS
We automatically cover many Pre-Existing Medical Conditions as standard. See the ‘No Screen Conditions’ list below. You do not need to contact us if all of your Pre-Existing Medical Conditions are included in this list and the words brackets apply to you. If you have questions relating to these accepted conditions, please email globelink@globelink.co.uk or call +44 (0)1353 699 082 9am-5pm Mon-Fri. Alternatively, if you are unsure whether your condition is covered by our No Screen Conditions list, please complete the Enquiry Form and email it to globelink@globelink.co.uk and we will advise whether it is included.
Changes in your circumstances
If after taking out this Insurance you become aware of any circumstances that may give rise to a claim such as changes in your health or that of a person on whom this insurance may depend (e.g. a close relative) you must contact us and tell us about the changes as soon as reasonably possible and prior to any trip on globelink@globelink.co.uk.
?No screen conditions
You do not need to contact us if all the pre-existing medical conditions that you have are included in this list and the words in brackets apply to you and the condition has been stable and well controlled for the last 12 months on GP administered medication and have not required a hospital admission or referral to specialist because of a worsening of your condition.
Stable and well-controlled’ means the condition has been controlled by medication administered by a medical practitioner and you have not required a hospital admission or referral to a specialist as a result of a worsening of your condition within the last 12 months.
These pre-existing conditions are covered by the normal terms of the policy
- Acne
- ADHD (Attention Deficit Hyperactivity Disorder)
- Any disabilities impairing mobility, vision or mental health providing an insured person is accompanied by an appropriate carer for when any assistance is required
- Arthritis - Juvenile, Osteoarthritis, Rheumatoid or Psoriatic arthritis, Reiter’s Syndrome, Rheumatism. (There must have been no hospital admissions within the last 12 months. The arthritis must not affect the back more than any other area of the body. The insured person must not be taking more than 2 medications. The insured person must not require any mobility aids, other than a walking stick. There must have been no dislocations or any joint replacements. The insured person must not be awaiting surgery. The insured person must have no lung problems/respiratory disorders.)
- Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food intolerance & Hay Fever)
- Asthma (providing it was diagnosed before age 50, and the insured person is taking/using no more than 2 medications)
- Bells Palsy
- Benign Positional Vertigo
- Bladder Infection
- Breast Cancer/Prostate Cancer (provided the insured person: -was diagnosed more than 12 months ago; -has not had any chemotherapy or radiotherapy in the last 12 months and the cancer has not spread outside the breast or prostate at any time; -in the case of cancer of the prostate the insured person must have a PSA of 3.0 or less)
- Bunions
- Carpal Tunnel Syndrome
- Cataracts
- Coeliac Disease
- Congenital Blindness
- Corneal Graft
- Cystitis (provided no ongoing treatment)
- Deafness
- Diabetes (providing there have been no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, leg or foot amputation, liver damage).
- Dry Eye Syndrome
- Deep Vein Thrombosis (DVT) – (provided you were diagnosed more than 12 months ago; and you are currently stable and well controlled on anti-coagulant (blood thinning) medication (such as Warfarin) taken purely as a DVT preventative and not related to any heart related condition). -If you are being treated as a result of a pulmonary embolism or have been prescribed anti-coagulants as a result of being at high risk of blood clots due to an abnormal heartbeat (atrial fibrillation) or because of a mechanical heart valve or similar cardiac device or having a blood clotting disorder (such as thrombophilia) or as a result of a recent operation then there is no cover under this policy.
- Eczema
- Enlarged Prostate (benign only)
- Essential Tremor
- Folate Deficiency
- Fungal Nail Infection
- Gallbladder Removal (no complications)
- Gastric Reflux
- Glaucoma
- Goitre
- Gout
- Hay Fever
- Hiatus Hernia
- High Cholesterol: Providing you have not been diagnosed with any heart disease, heart attack, heart failure, peripheral artery/vascular disease, stroke or kidney disease.
- Hormone Replacement Therapy - HRT
- Hypertension - High Blood Pressure: Providing you have not been diagnosed with any heart disease, heart attack, heart failure, peripheral artery/vascular disease, stroke or kidney disease.
- Hypotension - Low Blood Pressure (Must not be associated with any underlying condition)
- Impetigo
- Insulin Resistance
- Macular Degeneration
- Meniere’s disease
- Migraine
- Osteoporosis - Osteopenia, Fragile Bones (There must have been no broken bones within the last 5 years)
- Pernicious Anaemia
- Raynaud Disease
- RSI (Repetitive strain injury/Tendinitis)
- Sinusitis
- Tendonitis
- Tinnitus
- Tonsillitis
- Underactive or Overactive Thyroid
Frequently Asked Questions
What medical conditions do you have to declare for travel insurance?
You should declare all medical conditions which aren't included in the No Screen Medical Conditions list.
How much medical travel insurance do I need?
There is no fixed recommended sum. Globelink policy options cover between £5,000,000 - £10,000,000 Emergency Medical Expenses. A large number of pre-existing medical conditions are covered for free on Globelink travel insurance policies. If you have a condition, which isn't included in the No Screen Medical Conditions list, you must declare it to our Medical Screening Helpline and they will advise whether your condition can be covered, whether an additional premium applies, or any changes to the policy terms and conditions.
What is a pre-existing medical condition for travel insurance?
A pre-existing medical condition for Globelink is any medical condition that you already have, or have symptoms for. See https://www.globelink.co.uk/general-information/medical-and-health/pre-existing-medical-conditions.html for full definition and details.
What does travel medical insurance cover?
Travel medical insurance usually covers emergency medical expenses and repatriation for unforeseen medical emergencies including illness and accidents while abroad. A number of pre-existing medical conditions are automatically for free by Globelink. All policies provide you with 24-hour medical emergency assistance if you fall ill, have an accident, or have health issues abroad.
Where to buy travel medical insurance?
Globelink offer travel medical insurance policies, which cover over 50 pre-existing medical conditions for free.
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