The policy will exclude claims arising from Physical or mental disabilities or conditions or illness of a chronic or recurring nature for which a person has received medical treatment from a qualified medical practitioner or hospital or has been taking medication for a medical condition during the past 12 months other than the conditions listed below.
Other medical conditions must be referred to the Medical Screening line for advice regarding their acceptability
medical
condition acceptance
The following medical conditions are automatically acceptable
| Achilles Tendon Injury | Cyst-Testicular | HRT (hormone replacement therapy) |
| Anal Fissure/Fistula | Cystitis | Macular Degeneration |
| AttentionDefecit Hyperactivity Disorder | Diabetes (diet controlled) | Menorrhagia |
| Benign Prostatic Enlargement | Diarrhoea/Vomiting(resolved) | Migraine (confirmed diagnosis, no ongoing investigations) |
| Blindness | Dislocated Hip | Myalgic Encephalomyelitis (ME)(if the only symptom is fatigue) |
| Broken/Fractured bones(not head or spine) | Eczema | Nasal Polyp(s) |
| Carpal Tunnel Syndrome | Epididymitis | Neuralgia |
| Cataracts | Essential Tremor | Neuritis |
| Colitis (no hospital admissions in last 12 months) | Fungal Nail Infection | Nut Allergy |
| Common cold/Infuenza | Gastric Reflux | Reflux Oesophagitis |
| Corneal Graft | Glandular Fever | Rhinitis (Allergic) |
| Cosmetic Surgery | Glaucoma | Sinusitis |
| Cuts/Abrasions(not self inflicted) | Gout | Sleep Apnonea |
| Cyst-Breast | Haemorrhoids(piles) | Tendon injury |
| Hernia(not hiatus) | Urticaria | |
| Hip replacement (provided not within last 6 months) | ||
| Hay Fever |
In addition to the above,the following medical conditions are also automatically acceptable provided you do not have more than two of these conditions or any other pre-existing conditions.
Hypertension(high blood pressure) Always provided no more than one medication is prescribed and that there has been no change in such treatment within the last 6 months and that the person is a non-smoker.
Asthma Always provided there have been no hospital admissions within the last 12 months or any worsening of te conditionin the preceeding two years of inception or renewal and it must be controlled with no more than 2 self administerd medications( No Nebulise and No Home Oxygen). You must be a non-smoker and able to walk 200 yards on the flat without becoming short of breath.
Arthritis (Osteoarthritis, Rheumatoid, or Psoriatic Arthritis, Rheumatism) provided always that there have been no hospital admissions within the last 12 months and that the person is not awaiting surgery.
Osteopaenia;Fragile Bones provided always that there have been NO vertebral(backbone) fractures
If you have a condition that is not on the above list it may be acceptable however you will need to obtain approval from the Medical Screening line