You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
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,
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,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting – if completely resolved,
Enlarged prostate – benign only,
Ligament or tendon injury – provided you are not currently being treated,
Migraine – provided there are no on-going investigations,
RSI, Sinusitis – provided there is no on-going treatment,
Skin or wound infections that have completely resolved with no current treatment,
Under active Thyroid (Hypothyroidism),
Varicose veins in the legs.
To declare any pre existing medical conditions not listed above, please contact our medical screening helpline on 01702 427 237.