Medical Frequently Asked Questions

Frequently Asked Questions (FAQs) - Medical

We have listed below the majority of medical questions we frequently get asked. We hope this helps but of course if you have any other questions please look at the other frequently asked questions or if you still can't find an answer don't hesitate to contact our sales team who will be happy to help on 01392 287 418.

Although these frequently asked questions are to assist you. You should read the policy carefully to make sure it suits your requirements. The policy wording is available on this site HERE

Medical FAQs

  • I am currently under a course of treatment with my GP. Should I declare this to the insurance company?
    Yes. It is essential that all pre-exsisting medical conditions are declared or it may invalidate any claim. If you have a serious medical condition you will need to speak to our medical screening department who will be able to inform you if we can insure you.
  • If I fall ill or have an accident while abroad, how do I pay my medical bills?
    You should first check that the circumstances are covered by your policy. Having done this please contact the 24 hour Emergency Hotline, where further advice and instruction will be given.
  • In case of emergency, if you are physically prevented from contacting us immediately you or someone designated by you must contact us within 48 hours. If your outpatient bill is less than £500, you will need to pay this to the medical facility. Please ensure you keep all receipts so you can claim upon your return.
  • My GP has told me that it wouldn't be a good idea to travel abroad. Does this invalidate my policy?
    Your policy will not cover you if you are travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad. If you received the advice after you had booked a holiday abroad you may be able to claim for the cost of the cancelled trip.