Condition Criteria
Acne No additional criteria.
ADHD (Attention Deficit Hyperactivity Disorder) No additional criteria.
Allergy In the last 6 months, You haven’t required treatment by a medical practitioner for this condition.
You have no known respiratory conditions (e.g. Asthma).
Anxiety You have not been diagnosed with Depression in the last 3 years.
In the last 12 months, Your prescribed medication hasn’t changed.
You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist).
You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety.
Asthma You are less than 60 years of age when You purchase the policy.
In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner.
You have been a non-smoker for at least the last 18 months.
You don’t need prescribed oxygen outside of a hospital.
You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis.
Bell’s Palsy No additional criteria.
Bunions No additional criteria.
Carpal Tunnel Syndrome No additional criteria.
Cataracts
Glaucoma		 In the last 90 days, You haven’t had an operation for this condition.
You have no ongoing complications of this condition.
Coeliac Disease No additional criteria.
Congenital Blindness No additional criteria.
Congenital Deafness No additional criteria.
Depression You have not been hospitalised for this condition in the last 2 years.
In the last 12 months, Your prescribed medication hasn’t changed.
You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist).
You have not previously been required to cancel or curtail Your travel plans due to Your Depression.
Ear Grommets You don’t have an ear infection.
Epilepsy You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke).
Gastric Reflux Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer).
Goitre No additional criteria
Graves’ Disease No additional criteria
Gout No additional criteria
Hiatus Hernia No additional criteria
Hip Replacement
Knee Replacement
Shoulder Replacement
Hip Resurfacing		 The procedure was performed more than 12 months ago and less than 10 years ago.
You haven’t had any postoperative complications related to that surgery. Post-operative complications include joint dislocation and infection.
Hypercholesterolaemia (High Cholesterol) You don’t have a known heart or cardiovascular condition.
Hypertension (High Blood Pressure) You don’t have a known heart or cardiovascular condition.
You don’t have Diabetes (Type I or Type II).
Your Hypertension is stable and managed by Your medical practitioner.
In the last 12 months, Your prescribed blood pressure medication hasn’t changed.
You aren’t suffering symptoms of Hypertension.
You aren’t having investigations related to blood pressure.
Migraine No additional criteria.
Peptic
Gastric Ulcer		 In the last 12 months, the Peptic/ Gastric Ulcer has been stable.
Plantar Fasciitis No additional criteria.
Raynaud’s Disease No additional criteria.
Skin Cancer Your Skin Cancer isn’t a Melanoma.
You haven’t had chemotherapy or radiotherapy for this condition.
Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision.
Stenosing Tenosynovitis (Trigger Finger) No additional criteria.
Urinary Incontinence No additional criteria.
Underactive Thyroid
Overactive Thyroid		 The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour.