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Allianz Insurance


Am I covered for any existing medical conditions?

1. You will not be covered for any directly or indirectly related claims arising from the following if at the time of taking out this insurance or booking your journey (whichever is later), you:
 a. are being prescribed regular medication;
 b. have received treatment for or had a consultation for any medical condition with a doctor or hospital specialist in the past 12 months;
 c. are being referred to, treated by or under the care of a doctor or a hospital specialist;
 d. are awaiting treatment or the results of any tests or investigations;
2. You will not be covered if you travel against the advice of a doctor or where you would have been advised not to travel if you had sought their advice before beginning your journey.
3. You will not be covered if you know you will need medical treatment or consultation at any medical facility during your journey.
4. You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.
5. You will not be covered if you were waiting for medical treatment or consultation at any medical facility or were under investigation for a medical condition when your policy was issued.
6. You will not be covered if you are travelling specifically for the purpose of obtaining and / or receiving any elective surgery, procedure or hospital treatment.

For full information on existing medical conditions and your cover, please read the "Health declaration and health exclusions" section of the policy document. This section is the same for all products offered.