Medical Conditions & Material Facts Warranty
This policy is issued based on the information you have provided when applying concerning the health of all insured persons, their relatives, their travelling companions and also close business associates. This policy contains certain exclusions and conditions which will relate to the medical information provided. If you are in any doubt about what information you need to disclose, or whether you are eligible for cover, you should contact ЄHICPlus by email to info@ehicplus.com
or by telephone on 08450 555 222.
Your enquiry will be handled confidentially and you will be advised of the extent of cover which can be provided.
Material facts:
You MUST tell us all material facts. A material fact is one which is likely to influence the underwriter's decision to accept the risk, or the level of cover which is provided. This includes:
| 1. |
The medical history of any insured person or that of a travelling companion, relative or close business colleague or other person on whose state of health a decision by you to cancel or curtail a trip depends.
If you need to disclose the medical conditions of any UK Related Party please
download and complete this Declaration
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| 2. |
On-going Health Warranty: If, after buying an Annual Multi-Trip policy but prior to booking a trip to be covered thereunder a material fact becomes known or changes you must notify us and we reserve the right to impose special terms. If you are in any doubt as to whether a fact is material you should contact ЄHICPlus to seek guidance. If you do not, this may result in your claim not being paid.
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You will NOT be covered:
| 1. |
For any trip where at the time of taking out this insurance, (and in the case of Annual Multi-trip at the time of booking each trip), the person whose condition gives rise to a claim:
| a. |
is waiting for an operation, hospital consultation (other than for regular check ups for a stable condition) or other hospital treatment or investigations, or are awaiting the results of any tests or investigations; or
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| b. |
has received a terminal prognosis; or
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| c. |
is travelling against medical advice or for the purpose of obtaining treatment; or
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| d. |
is expected to give birth before or within fourteen weeks of the date of arrival home.
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Please note: The above exclusion applies not only to you, but also to close relatives or other non-travellers on whom the trip depends.
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| 2. |
If at the time of taking out this insurance you answer 'YES' to any of the 'Medical Screening Questions' and fail to complete the Medical Screening online.
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Medical Screening Questions
| 1. |
In the last year, have you been treated as a hospital in-patient or been referred to a specialist consultant?
YES / NO
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| 2. |
Do you suffer from conditions relating to: Endocrine System (such as Diabetes) or Nervous System (such as Epilepsy, Stroke) or organ insufficiency/failure (such as Kidney)?
YES / NO
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| 3. |
Have you ever been treated for a Respiratory/Breathing condition (such as Asthma, COPD) or Heart related condition (such as Angina, Irregular Heart Beats) or a Circulatory condition (such as Deep Vein Thrombosis)?
YES / NO
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| 4. |
Have you ever been diagnosed with Cancer?
YES / NO
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If you answer YES to one or more of these questions you should use the Medical Screening system on this website to confirm acceptability of cover.
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