AUTOMATICALLY COVERED PRE-EXISTING MEDICAL CONDITIONS
You do not need to call the medical screening helpline if you only have one of the medical conditions listed below and have no other pre-existing medical condition. If you have more than one of the medical conditions listed below or only have have one, but also have another pre-existing medical condition, all medical conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.
Acne
ADHD
Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years
Allergic rhinitis including Hay fever
Arthritis (the affected person must be able to walk independently at home without using mobility aids)
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication)
Blindness or partial sightedness
Carpal tunnel syndrome
Cataracts
Chicken pox – if completely resolved
Common cold or flu
Cuts and abrasions that are not self-inflicted and require no further treatment
Cystitis – provided there is no on-going treatment
Deafness
Diabetes (which is controlled by diet or tablets only)
Diarrhoea and vomiting – if completely resolved
Eczema
Eczema
Enlarged prostate – benign only
Essential tremor
Glaucoma
Gout
Haemorrhoids
Ligament or tendon injury – provided you are not currently being treated
Macular degeneration
Menopause
Migraine – provided there are no on-going investigations
Nasal polyps
PMT
RSI
Sinusitis – provided there is no on-going treatment
Skin or wound infections that have completely resolved with no current treatment
