Health

Any claim that relates to an injury or symptom of which you are aware that has required treatment, medical consultation or investigation, affecting You at any time during the twelve months prior to the commencement of cover. Unless the Condition was declared to us and accepted in writing by the way of a medical reference number. Please contact Your Insurance Broker/Agent that this Insurance meets Your needs.

Reciprocal Health agreements

If you will be travelling to a European Union Country, You should apply for a European Health Insurance Card (EHIC) at www.ehic.org.uk and take it with you. If you need treatment while you are abroad, you should provide the doctor treating you the oppropriate document/card, as it will save you paying the Excess amount from any claim for Medical Expenses under section A.

When you are travelling to Australia or New Zealand and you require medical treatment you must enrol with the Medicare or equivalent scheme of those countries. For further information visit the following website: www.hic.gov.au

If you are in any doubt how to collect a EHIC or register for the Medicare scheme, please contact your Insurance Broker / Agent who will be able to help you.

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