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AUTOMATICALLY COVERED PRE-EXISTING MEDCIAL CONDITIONS 

The following Automatically Covered Medical Conditions will be covered for no additional premium and you do not need to declare these to us provided that you do not also have a pre-existing medical condition which is not listed below. If you have a pre-existing medical condition in addition to any of the following Automatically Covered Medical Conditions you must follow the health declaration below and contact the Medical Screening Service using the following link  www.alacarte.millstreamonline.com if you answer YES to any of the questions.

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment in the last 2 years, Allergic rhinitis, Alzheimer’s Disease, 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 controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpel tunnel syndrome, Cataracts, Chicken pox (if completely resolved), Cholesterol Hyper/Hypo, Coeliac Disease, Colour Blindness, Common cold or flu, Cuts and abrasions (that are not self-inflicted and require no further treatment), Cystitis (providing there is no ongoing treatment), Deafness/ Impaired Hearing, Diabetes (controlled by diet or tablets only) Diarrhoea and vomiting (if completely resolved) Downs Syndrome, Dyspepsia, Eczema, Enlarged prostate (benign only), Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, HRT, Hyperlipidemia, Indigestion, Irritable Bowel Syndrome, Lichen Planus, Ligament or tendon injury (provided that you are not currently being treated), Macular degeneration, Melanosis, Mental Health Conditions, Menopause, Migraine (providing there are no ongoing investigations), Nasal polyps, Night Blindness, Parkinson’s Disease, Physically Disabled, PMT, Psoriasis, Raynaud’s Syndrome, Rhinitis, Rosacea, RSI, Sinusitis (providing there is no ongoing treatment), Skin or wound infections (that have completely resolved with no current treatment) Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs, and Vertigo.
 
HEALTH DECLARATION
 
If any of the following apply to you the Medical Screening Service must be contacted using the following link www.alacarte.millstreamonline.com. If you experience issues with the Medical Screening Service please call +44 (0) 330 660 0563 for assistance.
 
1.     You have, during the last 24 months before this insurance started, suffered from or received treatment, advice or medication for any chronic ongoing or recurring illness or condition (A chronic condition is one lasting three months or more).
2.     You were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
3.     You were waiting for the results of tests or investigations, or awaiting a referral for an existing medical condition.
 
Please note that there is no cover under this policy if you have been diagnosed with a terminal illness or you are travelling against the advice of a medical practitioner or in order to obtain medical treatment abroad or you are aware of any reason why the trip could be cancelled or curtailed or of any medical condition, which could result in a claim. Please refer to the General Exclusions in your Policy Wording for full details.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover.
CHANGE IN HEALTH
If there is any change to a pre-existing condition or if any of the reasons stated above occur between the date the Certificate of Insurance is issued and / or before the first day of your trip, you must notify the Medical Screening Service immediately using the following link www.alacarte.millstream.com.

We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium or add special conditions to the policy.  If we cannot provide cover, or if you do not want to pay the additional premium, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively you can cancel your policy and we will send you a pro rata refund.

We reserve the right not to extend this insurance if deemed necessary by us, where the booked trip could be detrimental to your well-being.

Failure to contact us could leave you with no right to make a claim and may mean that you travel with insufficient cover.
 
If cover can be provided for your condition, you will be given a screening reference number and an email will be sent to you upon receipt of payment. Any additional premium will be paid directly to the Medical Screening Service.
 
MEDICAL CONDITIONS OF A THIRD PARTY

In respect of a travelling companion, an immediate relative, close business associate or person who you plan to stay with during your trip, who is not a named on your certificate of insurance, but on whose health the trip depends, this policy will not cover any claims under Section 1: Cancellation or Section 2: Curtailment, that result directly or indirectly from any pre-existing medical condition you knew about at the time of taking out this insurance or when booking a trip, and that affects:

 

  • a travelling companion who is not insured under this policy;
  • an immediate relative who is not travelling and is not insured under this policy;
  • a close business associate; or
  • a person you plan to stay with on your

 

Subject to the terms and conditions, such claims may only be covered if their medical practitioner is prepared to state that the date you bought this policy or of booking a trip, they would have seen no substantial likelihood of their patient’s condition deteriorating to such a degree that you would need to cancel your trip.  If the medical practitioner will not confirm this, your claim is not covered.  In the event of a claim the medical practitioner must complete the medical certificate on the claim form.

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