Travel Insurance Arranged by Golfguard Ltd. Master Policy Number RTZGG40116 A&B
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Travel Insurance arranged by Golfguard Ltd. Master policy number RTZGG40116 A&B This policy is for residents of the United Kingdom, Channel Islands or British Forces Posted Overseas only Provided you only have one (1) condition and it falls within this accepted conditions list, cover for For policies issued from 1st June 2018 to 31st May 2019 with travel commencing prior to 1st November 2020, but that condition is provided as standard and you do not have to contact us. If you have more than one condition on this list or have another condition that falls within the declaration above, you must within a maximum of 2 years following insurance purchase. contact us to see if we can provide cover for any of these conditions. YOUR IMPORTANT INFORMATION ■ Accidents which happened more miscarriage reflux / hiatus hernia than 5 years ago which are no If you need emergency medical assistance abroad or need to cut short your trip: ■ Depression provided it is ■ Innocent heart murmur provided longer being treated and have Contact the 24hour emergency advice line on: has been controlled on one you have no other cardiac no long term effects medication for 3 months or +44 (0) 203 829 6745 diagnosis and have never had ■ Acute infections such as flu, longer and you have never had any hospitalisation ever If you need a claim form: coughs, colds, sore throats or any hospital admissions ever ■ Insomnia You can download the relevant form at www.policyholderclaims.co.uk gastroenteritis which did not ■ Developmental delays not ■ Learning difficulties/ aspergers/ Or contact Travel Claims Facilities on: require medical intervention associated with any physical autism provided there has 0203 829 6761 - Open 8am-8pm Monday to Friday, 9am-1pm Saturday ■ Appendicitis if you were diagnosis been no hospitalisation for the operated on more than 2 To make a claim ■ Diabetes - any type provided condition weeks ago you have had no hospitalisation If you need legal advice: ■ Lipomas / fatty cysts /ganglions ■ Contact Slater & Gordon LLP on: Allergies and hay fever in the previous two years, it is well controlled with no heart ■ Low blood pressure +44 (0) 161 228 3851 ■ Arthritis or rheumatism of any type affecting joints but not the conditions, no kidney failure, ■ Medication which is prescribed CERTIFICATE NUMBER spine, provided you have had no peripheral neuropathy, no purely as a precaution or to no hospital admissions in the ulceration and no cellulitis of the prevent side effects of other previous two years and are not legs or feet medications ■ waitlisted for surgery Ear infections provided you are ■ Menstrual and fertility problems ■ declared fit to fly Asthma which has not ■ Migraine Underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK Branch. progressed to Chronic ■ Ectopic heart beats provided Obstructive Pulmonary you have no other cardiac ■ Mini stroke (TIA) provided DISCLOSURE OF PRE-EXISTING MEDICAL CONDITIONS Disease (COPD), Chronic diagnosis it was a single event more Obstructive Airways Disease than two years ago, with no ■ Your policies may not cover claims arising from your pre-existing medical conditions so you need to tell us (COAD) or emphysema, has Elective cosmetic procedures hospitalisation and no other of anything you know that is likely to affect our acceptance of your cover. been diagnosed before age 50, provided they are fully healed conditions diagnosed is controlled without oxygen, ■ Enlarged prostate / prostatitis ■ Minor out-patient surgery with no hospitalisation in the provided you have had no provided you are fully healed We are unable to provide cover for any claim arising from a known pre-existing medical condition of a previous two years and no hospitalisation in the previous without infection non-travelling close relative, the person you are intending to stay with, or a close business associate, or any shortness of breath on effort year and your PSA is within an recognised complication caused by the existing medical condition. ■ Multiple Sclerosis which has ■ Back pain which is managed on acceptable range for your age been in remission for more less than 2 medications with no ■ Epilepsy provided it is controlled than two years with no hospitalisation in the previous on medication and you have Pre-existing medical conditions - so that we can ensure you are provided with the best cover we can offer progressive deterioration and no 2 years and no limitation of had no major seizures and no please read the following questions carefully: hospitalisation mobility hospitalisation in the previous ■ Muscular aches, pains and ■ Basal Cell Carcinoma provided year Have you, or anyone insured under this policy, strains ever had treatment for: you have had no surgery or ■ Fibroid-Uterine provided you ■ Neuralgia/nerve pain any heart or circulatory condition, radiotherapy in the previous have not been operated on in Yes two weeks the previous two weeks a stroke or high blood pressure. ■ Nosebleeds which are not ■ Benign breast lumps of any ■ Fibromyalgia which has never associated with high blood a breathing condition (including asthma). type provided you are at least 2 been treated in a hospital pressure any type of cancer. weeks post op. ■ Foot surgery provided it was ■ Osteoporosis provided you have any type of diabetes. ■ never had any fractures If you have answered yes to the questions on Benign polyps (uterine nasal more than 6 weeks ago colon) No the left, you must tell us, we may be able to ■ Fractured limbs provided the ■ Pelvic Inflammatory disease / offer some cover and maybe able to cover ■ Benign tumours anywhere fracture was only a single endometriosis/polycystic ovaries your existing medical condition, although except the brain, skull or spine break that occurred more than In the last 2 years - have you, or anyone ■ Psoriasis an increased premium maybe required. To provided they have not been 6 weeks ago and you are no insured under this policy, been treated for any Yes enable us to consider your medical condition treated in the previous 6 weeks longer immobilized ■ Routine or minor dental serious or re-occurring medical condition, please contact our screening helpline on treatment asked to take regular prescribed medication, ■ Bradycardia / slow heart beat ■ Frozen shoulder 0343 658 0349. provided this is the only cardiac ■ Sarcoidosis provided it only or referred to a specialist or consultant at a ■ Gout controlled on medication hospital for tests, diagnosis or treatment? Note: If you only have 1 medical condition diagnosis affects the skin and you have no and it falls within the accepted conditions ■ Hernias provided surgery was pulmonary symptoms ■ list, cover for that condition is provided as Caesarean section birth provided more than 6 weeks ago and you ■ Short term infectious diseases No standard and you do not have to contact you are fully recovered and it are fully recovered us. was more than 6 weeks ago such as glandular fever, chicken Are you or anyone who is insured under this Yes ■ High blood pressure provided it pox, shingles, mumps provided ■ Carpel Tunnel Syndrome/ policy, waiting for any tests, treatment or is stable and well controlled on you are fully recovered. repetitive strain injury non-routine hospital appointment? no more than 2 medications ■ Sinusitis ■ Cataracts, glaucoma, eye ■ Hip replacement provided you No ■ Superficial skin conditions ie infections or eye surgery as a day have had no hospitalisation in cysts/moles/warts/eczema/ patient only the last two years and have no Yes scabies/ ringworm Has your doctor altered your regular ■ Chronic Fatigue Syndrome / ME other joints affected by arthritis prescribed medication in the last 3 months. ■ Tendon / ligament injuries / Post viral syndrome (provided ■ Hypercholesteraemia provided it provided you have not been fatigue is the only symptom) is controlled on medication and operated on within the previous No ■ Chronic renal failure at stage is currently less than 5.0 6 weeks 1 or 2 only and where it is ■ Hysterectomy /oophrectomy ■ Trigeminal Neuralgia / facial pain Full Cover is available under this policy. If your answers change to YES during the period of insurance, please not associated with any other provided it was more than 6 contact us on 0343 658 0349. condition weeks ago and was not due to ■ Underactive thyroid ■ Coeliac disease malignancy ■ Urinary tract infections which ■ Congenital physical disabilities ■ Illnesses occuring in childhood are unrelated to an underlying provided you have no ongoing more than 10 years ago which condition You need to keep copies of all letters we send you for future reference. Your failure to disclose any relevant medical treatment or medication are no longer active or treated information may mean that your policy will not cover you and it may invalidate it altogether. We reserve the ■ Varicose veins provided they and no heart damage and have not affected the heart right to charge an increased premium, decline, withdraw, increase the policy excess, cancel or restrict cover for haven’t been operated on or or lungs any person where the facts disclosed are considered unacceptable to us. ■ Constipation if it is unrelated to were operated on more than 6 ■ Should we require any additional premium, and you accept our offer, this should be paid to us either by an underlying condition Incontinence weeks ago credit card or cheque and sent within 14 days of receipt. If your existing medical condition would require ■ D&C (dilatation and curettage) & ■ Indigestion/dyspepsia / acid ■ Vasectomy an additional premium to be covered and you choose not to declare it, we reserve the right to decline a claim relating to this condition, unless otherwise agreed by us in writing. Full confirmation of our terms and POLICY INFORMATION conditions will be sent out to your address after your call. Any additional existing medical condition not declared to us will not be covered.