What Pre-Existing Medical Conditions You Should Declare Before Travelling
We all know the most important thing about going travelling, is to enjoy it wholly. So you’ve booked the holiday, you’ve taken out your travel insurance; you’ve even bought some brand new sunglasses. Yet is there something you seem to have forgotten about? A vast majority of travellers fail year on year to declare any pre-existing medical conditions they have prior to travelling and often fall foul of these errors when it comes to making a claim.
The concept amongst many a traveller, is that by declaring any pre-existing medical conditions, it hinders them from enjoying their holidays as much as others. Some even choose not to disclose their conditions to simply save a few pennies on a policy. The fear of declaring pre-existing medical conditions before you embark on your adventures needs quashing from the offset; as it very well could be the difference between a dream holiday and a holiday nightmare.
There can be some confusion when advising of any medical condition whilst applying for an insurance policy. Some conditions are a complete must and should always be declared. To define a pre-existing medical condition, you should consider it to be anything which affects or has affected your health prior to you taking out an insurance policy.
The following guidelines should be followed when declaring your pre-existing medical condition to your insurance provider:
- Any medical condition in which you have undertaken surgery, received in-patient treatment for; or had investigative treatment in a clinic or hospital within the last 12 months
- Any respiratory disorder (which relates to breathing and the lungs)
- A heart condition or stroke
- Crohn’s Disease
- Cancer, for which you have under taken or are still receiving treatment for (including tests, investigative treatment and/or surgery by a consultant, specialist or your doctor, along with any prescribed medication).
- Any medical condition for which you are taking prescribed medication.
Conditions which are not defined as a pre-existing medical condition and do not have to be declared prior to travelling, are the following disorders:
- Hay fever
- High blood pressure (unless you have been suffered a heart attack, heart disease, kidney damage, a mini stroke or stroke)
- Diabetes (providing there are no implications such as heart disease, peripheral vascular disease, impaired kidney function, foot or leg ulcers, retinal damage, liver damage or amputation)
- High Cholesterol
- ADHD (Attention Deficit Hyperactivity Disorder)
- Asthma (providing it has been diagnosed before the age of 50 years, and the user requires no more than 2 inhalers/medications and has not been admitted to hospital within the last 12 months)
- Fungal nail infection
- RSI (Repetitive strain injury)
- Thyroid (both underactive and overactive)
If you are fully aware of any pre-existing medical condition and are going travelling, then you are obliged to be completely open and honest with your insurance company. Giving any false information concerning a pre-existing medical condition will invalidate the policy and in the worst case scenario, your insurance provider could take legal action for fraud.
Don’t let pre-existing medical conditions spoil your holiday fun. Make sure you always declare them first.