Worldwide Annual Travel Insurance Policies Health Declaration
When applying for a travel insurance policy it is important to understand that one of the underwriter's main considerations is the existence of any pre-existing medical conditions in respect to all parties relevant to the policy that may influence the level of risk they are accepting.
Golfplan's annual travel policy is no exception to this rule.
At the start of the insurance and at each subsequent policy renewal, you are required to make a health declaration. (This can be viewed within the Health Declaration section of the Golfplan Travel policy documentation.) In summary, the following questions need to be answered:
In the past year, have you or any person to be covered by this insurance:
- Received treatment as a hospital in-patient or daycase patient?
- Been put on a waiting list for treatment?
- Been under the care of or referred to a consultant or are waiting for the results of any tests?
- Been diagnosed with or treated for cancer or diabetes?
- Been treated for a breathing or heart condition (including Angina and Hypertension/High Blood Pressure) and are still taking medication or receiving follow-up consultation?
- Received any treatment for any psychological or psychiatric disorder, anxiety, stress or depression?
If you can answer 'yes' to any of the above questions, you will need specific approval to cover these conditions and you will be provided with a letter confirming the basis on which cover is provided. We would strongly advise you to contact our medical screening helpline on 0208 315 0736 to assess whether the condition(s) could be included, at no extra cost, in the cover provided. We may need specific medical reports to provide you with cover. If so, you will be responsible for the expenses of obtaining these reports.
Claims arising from a medical condition, which you have at the time of buying a Golfplan travel policy and at each renewal, are excluded from the insurance unless you have declared the condition to us and we have accepted it. If you are aware that a travelling companion, close relative or business associate is suffering from a medical condition that could affect your trip in any way, you should tell us about this too.
If we are unable to cover your declared condition(s), you will be given the option to cancel the insurance or accept that the cover excludes all claims relating to the declared condition(s). No charge will be made for cancellations made within 21 days of commencement of this insurance, provided that you have not already made a claim or intend to make one.
