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List of automatically covered
medical conditions that do not
need to be declared
Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been
made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),
Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions
that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is
controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor,
Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration,
Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment,
Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria,
Varicose veins in the legs.
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Important information
If you have a medical condition in addition to any of the automatically
covered medical conditions, all conditions will be excluded from cover
unless declared to the medical screening helpline.
What is classed as a medical condition?
a Any respiratory condition (relating to the lungs or breathing), heart
condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for
which you have ever received treatment (including surgery, tests or
investigations by your doctor or a consultant/ specialist or prescribed
medication).
b Any psychiatric or psychological condition (including anxiety, stress
and depression) for which you have suffered which you have received
medical advice or treatment or been prescribed medication for in the
last five years.
c Any medical condition for which you have received surgery, in-patient
treatment or investigations in a hospital or clinic within the last
12 months, or for which you are prescribed medication.
Any premium for medical screening quoted can be paid directly. This can
be done either before or after taking out a policy with us. The policy
and medical extension connect automatically, no reference numbers need
to be exchanged.
Choosing not to declare a medical condition will not invalidate cover,
but any costs incurred in relation to an undeclared condition will not
be covered.
If making a declaration all medical conditions must be declared, you
can't choose to only declare certain conditions.
Medical conditions can only be declared for up to 12 months at a time. A
second declaration will have to be made after 12 months if necessary.
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