Medical Health Requirements

You are not covered if, when You took out this insurance or when You booked your trip, You or any person upon whose health the trip may depend:

1. were aware of any reason why the trip could be cancelled or curtailed or of any medical condition which could result in a claim;
2. have, during the 12 months before this insurance started, suffered from any chronic or recurring illness for which You have received treatment or been a hospital in-patient;
3. are waiting for the results of tests or investigations for an existing medical condition;
4. were travelling against the advice of a medical practitioner or in order to get medical treatment;
5. have been diagnosed as having a terminal illness; 6. were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.

You must notify the Optimum Medical Help line of any of the reasons listed above which occur between the date You take out this insurance, when You booked your trip and the first day of any trip.

If you develop a new condition or your existing condition gets worse, we must be notified immediately. We have the right to amend, restrict or cancel cover.

Cover for these conditions will only be provided following our acceptance.

This page is an extract from the policy wording document, which you can download here

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