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PRE-EXISTING MEDICAL CONDITIONS
You
must comply with the following conditions to
have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy
or refuse to deal with Your claim or reduce the amount of any claim
payment.
It is a condition of this policy that You will not be covered under
section 1 – Cancellation, Curtailment or Trip Interruption,
section 2 – Medical Emergency and Repatriation, section 3 – Emergency Dental
Treatment. section 5 – Hospital Daily Benefit and section 12 – Personal Accident
for any claims arising directly or indirectly from:
a) At the time of taking out this policy:
-
Any Medical Condition You have, or have had, for which You are taking
prescribed medication or are waiting to receive, or have received treatment
(including surgery, tests or investigations) within the last 2 years unless
You have contacted Us on 01293 726144 and We have agreed, in
writing, to cover You.
If You have only one Medical Condition and this is one of those
shown in the table of NO SCREEN CONDITIONS* then this will be covered under the
policy without the need to contact Us.
b) At the time of taking out this policy or, if You have an Annual Multi Trip policy, prior to booking a new trip:
- Any Medical Condition
for which You, a Close Relative or a Travelling Companion
have received a terminal prognosis.
- Any Medical Condition for which
You, a Close Relative or a Travelling Companion are aware
of but have not had a diagnosis.
- Any Medical Condition for which
You, a Close Relative or a Travelling Companion are on a
waiting list for or have knowledge of the need for surgery, in patient treatment
or investigation at a hospital, clinic or nursing home.
- Any Medical Condition affecting You, a Close Relative , a Travelling Companion or a Close Business Associate that You are aware of that could reasonably be expected to result in a claim on this policy.
c) At any time:
- Any Medical Condition You have
which a Medical Practitioner has advised You not to
travel (or would have done so had You sought his/her advice) BUT DESPITE THIS You still travel.
- Any surgery, treatment or investigations for which You intend to travel
outside of Your Home Area to receive (including any expenses incurred due
to the discovery of other Medical Conditions during and/or complications
arising from these procedures).
- Any Medical Condition for which
You are not taking the recommended treatment or prescribed medication as
directed by a Medical Practitioner.
- Your travel against any health requirements stipulated by the carrier, their handling agents or any
other Public Transport provider.
* NO SCREEN CONDITIONS (for which You do not have to contact Us if
You only have one of these):
| Acid reflux | Hayfever |
| Acne | Hypercholesterolaemia (high cholesterol) |
| Attention Deficit Hyperactivity Disorder (ADHD) | Hysterectomy (provided carried out more than 6 months ago) |
| Allergy (requiring non prescriptive treatment only) | Irritable bowel Syndrome |
| Broken bones | Menopause |
| Cataracts | Migraine |
| Colds or influenza | Psoriasis |
| Dyspepsia | Tonsilitis |
| Eczema | Underactive thyroid |
| Gout | Varicose Veins |
Important features
Insurance Policy: this contains full details of the cover provided plus the conditions and exclusions which apply to it.
You must read the insurance policy carefully. Conditions and Exclusions:
there are conditions and exclusions which apply to individual sections and
general conditions and exclusions which apply to the whole policy. Date Change Exclusion:
Changes in dates could see widespread failure of computer and other systems
containing computer chips, which depend on date-related information in order
to work properly. Other than in respect of Sections 2 and 12, Your policy
excludes anything directly or indirectly caused by failure of any computer
hardware or software or other electrical equipment to recognise or process
any date as its true calendar date.
Medical Expenses: the policy does not provide private health treatment unless specifically approved by the emergency service. Health: the
certificate contains conditions relating to the health of the people
travelling and others upon whose well being the Trip may depend. It may be
that You are required to disclose the condition of such people prior to
cover being issued and You must be aware that failure to disclose such
information will prejudice Your position in the event of a claim. Property Claims: these are settled on an indemnity basis - not on a "new for old" or replacement cost basis, unless otherwise stated in the policy. Limits: most sections of the policy have limits on the amount We will pay under that section. Some sections also include inner limits eg: for one item, or for valuables (see definition) in total. Excesses:
claims under most sections of the policy will be subject to an excess. Where
there is an excess, You will be responsible for paying the first part of a
claim. Applicable per person.
Pregnancy: This policy does not cover normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. The policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.
Reasonable Care: You are required to take all reasonable care to protect yourself and
Your property and to act as though
You are not insured.
Complaints: the insurance policy includes a complaints procedure which tells
You what steps You can take if Youwish to make a complaint.
"Cooling Off" Period: the policy contains a "cooling off" period which allows
You to return it and obtain a full refund if You have justifiable reason to be dissatisfied with the cover provided.
If this insurance does not meet Your requirements, please return it to the issuing Agent or Broker within 14 days of receipt. You must NOT have travelled or submitted a claim during this period, in order to obtain a full premium refund.
Hazardous Holiday Activities: the policy may not cover
You when You take part in certain hazardous activities (for example, mountaineering). If
You want cover for such activities You may need to arrange a specialist policy.
Making
a Claim (for policies purchased on or after 18 March 2011 and starting with "ACE" only).
(for policies purchased prior 18 March 2011 click here, or refer to your policy wording)
If You need to make a claim, first check Your certificate and the appropriate section of Your policy, to make sure that what You are claiming for is covered. Then telephone Our Claims Helpline to obtain a claim form, giving Your name, certificate number and brief details of the claim. Please note that calls may be recorded or monitored for quality purposes.
All claims must be notified to the Claims Department within 28 days of the incident occurring. For all claims, You will need to send Your original insurance certificate and Your original holiday booking invoice. Please remember that it is always advisable to retain copies of all documents when submitting Your claim form.
• Please telephone Atlas Travel Insurance Claims on
Tel: +44(0) 1293 725930
quoting your policy number
• or write to:
Atlas Travel Insurance Claims
308-314 London Road
Hadleigh
Benfleet
Essex
SS7 2DD
quoting your policy number
When contacting the claims handler, please have the following information to hand;
Your Policy Number,
Name of Your Policy and where it was purchased,
Resort and Country visited
Value of the claim
Brief circumstances
Travel Dates
Incident Date
Failure to have the above information to hand may result in Your claim being delayed.
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