Insurance

	Medical Exclusions and Important Conditions

	You must meet the following conditions to have the full protection of your policy. If you do not, we may cancel the policy or refuse to deal with your claim, or reduce the amount of any payment we make for a claim.
	A. Pre-existing Medical Conditions You will not be covered under the following sections in the circumstances shown below. Medical and other expenses (including Hospital Benefit), loss of deposit or cancellation, curtailment, personal accident, or personal liability. We will not provide cover if you have: ever had any respiratory condition (relating to the lungs or breathing), heart condition, stroke, cancer, HIV or any HIV related illness or any psychiatric illness for which you have ever received treatment (treatment includes surgery, tests or investigations by a doctor, consultant or specialist, and prescribed drugs or medication); or had any medical condition within the last 12 months for which you have received surgery, in-patient treatment or investigations in a hospital or clinic, or for which you are taking prescribed medication. However, you can visit http://www.screeningmadesimple.com/HEX05 or call our medical help-line on 0845 345 8107^ and we may agree to provide cover, but we must confirm this in writing. Please note that you may have to pay an extra premium to include cover for certain medical conditions.
	B. Waiting Lists and Tests If you are on a waiting list for, or know that you need, surgery, in-patient treatment or tests at a hospital, clinic or nursing home, we will not provide cover under the following sections of the policy for any claims arising from that need. Medical and other expenses (including Hospital Benefit), loss of deposit or cancellation, curtailment, personal accident, or personal liability. If your treatment is completed, or if you receive the results of tests after we have issued your policy but before your trip starts, you should call our medical help-line as shown in paragraph A above.
	C. Important Conditions This insurance will not cover you in the following circumstances. If at the time of taking the policy out you: have not been permanently living in the UK for at least the last 12 months; are 70 or over and buying a World-wide Annual Multi-Trip policy. Or at any time if you: are travelling to get medical treatment abroad; are expecting to give birth before you arrive home or within eight weeks of arriving home; are not registered with a UK doctor or are taking a one-way trip.

*You can call from 8am-7pm Monday to Friday and 8.30am-5pm on Saturday. Telephone calls may be recorded and/or monitored. Calls are free from a landline, however mobile providers may charge.

^You can call from 9.00am to 5.00pm Monday to Saturday. Telephone calls may be recorded and/or monitored. Calls are charged at telecom providers Local Rates.

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