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PRE-EXISTING MEDICAL CONDITIONS
If You are aware
that You or any person whose health
would force You to cancel or cut
short your trip, or have been
admitted as an inpatient in the past twenty
four months, or have suffered from or
received any form of medical advice,
treatment or medication for:
1. Heart or Circulatory related condition
(e.g. Hypertension, Angina, Stroke, etc)
2. Lung or Breathing disorder other than
well controlled, mild Asthma, suffered in
isolation
3. Cancerous Condition
Then You must contact the Medical
Pre-Screening Company in order to arrange
cover for that condition. Failure to advise
the Medical pre-Screening company in order
to arrange cover for that medical condition
may result in claims for those undisclosed
conditions, not being paid.
For policies purchased on or after 04 April 2007, please contact Our Medical Helpline
on 08708 111 750
between the hours of 9.00 am and 5.30 pm
Mondays to Friday and between 9.00am and
5.00 pm Saturdays to Sunday. (To contact medical screening for policies purchased prior to 04 April 2007 click here)
Your insurance also covers the
cancellation or curtailment of Your
holiday resulting from the illness of any
person on whom Your holiday plans
depend. If they have a pre-existing medical
condition(s), these should also be declared
to Our Medical Helpline.
IMPORTANT: For annual Multi-Trip
policies, Underwriters must be
informed of any changes to Your
pre-existing medical condition, by
contacting Our Medical Helpline.
RECIPROCAL HEALTH AGREEMENT -
Travellers to European Union countries are
strongly advised to obtain a European Health Insurance Card (EHIC) -
- the replacement for the E111.
This will entitle them to benefit from the reciprocal health
arrangements which exist between European
Union countries. In the event of liability
being accepted for a medical expense which
has been successfully reduced by the use of an EHIC
or private Health Insurance, the deduction
of the excess under Section 2 (EMERGENCY MEDICAL EXPENSES AND
REPATRIATION) will not be applied. This does not
apply where special excess terms have been
imposed.
IN THE CASE OF A MEDICAL EMERGENCY AND
FOR GENERAL CLAIMS PLEASE READ YOUR TERMS AND CONDITIONS.
PRIVATE MEDICAL TREATMENT IS NOT COVERED
UNLESS SPECIFICALLY AUTHORISED BY THE
EMERGENCY SERVICE.
IMPORTANT: Please carry your certificate with you in case of emergency.
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 3, 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 pregnancy where the Insured Person is expected to give birth before or within 15 weeks of the
booked return date or for complications of pregnancy occurring prior to the twentyfifth
week where there have been complications in any previous pregnancy.
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 eg:mountaineering. If
You want cover for such activities You may need to arrange a specialist policy.
It is possible to choose the law applicable to a contract of insurance in the United Kingdom . We have chosen Scottish law to apply if You live in Scotland and English law if You live elsewhere in the United Kingdom . If You do not normally live in the United Kingdom , English law shall apply, unless agreed by Us in writing.
Making
a Claim (for policies purchased on or after 04 April 2007 only).
(for policies purchased prior to 04 April 2007 click here)
If You need to make a claim
please obtain a claim form no later
than 31 days after the event by:
• Telephoning Our Claims Line
on 08708 111 740 quoting
reference "Atlas 2007"; or
• Writing to
White Horse Insurance Claims Centre,
PO BOX 258
Wavell House,
ROSSENDALE, BB4 0BQ.
Quoting reference: "Atlas 2007"
When returning the claim form,
please include all relevant
documentation.
Please send originals - not
photocopies (keep copies for Your
records), For all claims You will
need to send Your original insurance
certificate and Your original
holiday booking invoice. Please
advise your operator that this is an
Atlas policy.
ESSENTIAL NOTES IF YOU REQUIRE TO MAKE A CLAIM
To ensure efficient processing of Your claim please have the following information available when initially contacting the claims department.
Full Name of Insured Person o Issuing Agent Name
Address (including post code) o Issue Date
Certificate number o Breakdown of Your Claim
We will attempt to take as much information over the phone as possible, You will however, be required to fill in a claims form and return it with Your insurance certificate, Trip booking invoice and other documentation We may request.
CANCELLATION DUE TO MEDICAL REASONS
You must obtain your Medical Practitioners confirmation that cancellation is necessary prior to cancelling Your Journey.
CANCELLATION ALL REASONS
You must contact Us as soon as You know that there is a possibility of Your Journey not taking place.
You must notify the Tour Operator or Travel Agency where Your Journey was booked as soon as it is confirmed that it will be necessary to cancel Your Journey.
CURTAILMENT
If due to Your injury or illness You must obtain a medical certificate from the treating Medical Practitioner in the locality where the incident occurred which confirms that Curtailment is medically necessary.
You must in all cases obtain authorisation from the 24 Hour Medical Emergency Service (or from Us) before incurring any expenses in Curtailing Your Journey.
EMERGENCY MEDICAL TREATMENT
PLEASE REFER TO THE 24-HOUR EMERGENCY SERVICE SECTION FOR CASES INVOLVING MORE THAN SIMPLE OUTPATIENT TREATMENT.
MEDICAL TREATMENT
You must keep receipts or accounts for all expenses incurred.
You should pay the hospital/clinic/doctor for routine or simple outpatient treatment and claim for reimbursement upon Your return to the UK .
If You are in any doubt concerning the level of treatment please consult the 24 Hour Medical Emergency Service for guidance.
LOSS OR DAMAGE OF POSSESSIONS IN TRANSIT
You must report the loss or damage to the carrier (i.e. Airline, Railway, Shipping Company, Bus Company etc) and obtain their written report before leaving the baggage reclaim area.
For all damage claims obtain an estimate for repairs, do not dispose of damaged items.
In all circumstances You must retain receipts or vouchers for items lost or damaged.
LOSS OF PERSONAL POSSESSIONS OR MONEY
You must be able to produce receipts for the purchase of essential replacement items.
You must report all theft or losses to the local resort Police within 24 hours of discovery of such loss or theft and obtain a written Police report.
Report the incident to Your Courier, Tour Representative, Hotel Manager or Accommodation Manager whichever is appropriate and obtain their written report.
In the case of loss of Cash You must obtain confirmation from Your bank or bureau de change of the issue of foreign currency.
For loss of passport You need to supply Us with a letter from the Consulate and retain all relevant receipts.
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