Health Declaration and Health Exclusions |
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The 24/7 Travel Insurance Policy is designed to cater for persons who do not have a pre-existing medical condition.
Please read the following ‘Medical Warranty’ carefully. |
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Medical Warranty
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You will not be covered where at the time taking out this insurance
(or in the case of Annual Multi-trip at the time of booking each trip):
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- you are receiving or on a waiting list for in-patient treatment;
- you are travelling against medical advice or for the purpose of obtaining treatment;
- you have received a terminal prognosis;
- you are under the care of a doctor or hospital specialist (other than for regular check ups);
- you are waiting medical tests or the results thereof;
- you have been treated as a hospital in-patient or been referred to a specialist consultant in the last year;
- If, within the last five years:
- You have been treated for a breathing condition;
- You have been treated for a heart-related condition (such as angina);
| 2. |
You will not be covered if you travel against the advice of a doctor or where you would have been if you had sought their advice before beginning your trip. |
| 3. |
You will not be covered if you know you will need medical treatment during your trip or you are travelling specifically to get medical treatment. |
Cover will be provided if You are able to comply with the Medical Warranty above and you have one (and only one) of the medical conditions listed below. Should you need to make a claim arising from that condition, your doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why you should need to claim on this Policy.
Acid reflux, Acne, Alopecia, Arthritis, Asthma (but only if well controlled by using inhalers), Benign lumps, Blindness, Brittle Bone disease, Broken/repaired bones, Cataracts, Cholesterol (if well controlled), Colds/Flu, Deafness, Dermatitis, Diabetes (if well controlled), Dyspepsia, Eczema, Gall stones/Gall Bladder Removal, Glaucoma, Gout, Hay-Fever, Hernia, Hip knee replacement, Hypertension/ High Blood pressure (Mild*), Hyperthyroidism (Over active Thyroid), Hypothyroidism (Under active Thyroid), Incontinence (not associated with bladder infections), Irritable bowel syndrome, Meniere’s disease, Migraine, Psoriasis, Tonsillitis, Varicose veins.
(* Mild Hypertension will be covered provided: i) You are only on one medication; ii) there has been no change to your medication in the last 6 months; and iii) You have not been admitted to hospital in the last 12 months.)
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Minor ailments
Cover will be provided for minor ailments e.g. hay fever, tonsillitis, ear infection, colds/flu, skin irritations, chiropody, dental treatment etc if you:
- were only prescribed short term antibiotics, non-prescription pain killers, creams/ointments;
- you have had no further problems since; or
- have been advised by your doctor that it is safe to travel.
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Note: This is not a private medical insurance Policy and only gives cover for emergency medical treatment in the event of an accident or unexpected illness occurring during your trip.
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NON-TRAVELLERS (e.g. Close Relatives / Close Business Associates)
You will not be covered in respect of non-travellers who have an effect on your travel plans, where they:
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Please note: If you are unable to comply with the Medical Warranty you can obtain an alternative quotation and product via our Free Spirit Travel Insurance website.
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About Free Spirit
This is a specialist insurance providing a full travel insurance package to persons with one or more pre-existing medical conditions.
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