The following list shows the conditions that are automatically included as pre-existing medical conditions provided that any words in brackets apply to you.
- Asthma (Diagnosed before age 50, you are not prescribed more than 2 medications/inhalers including nebulisers for this and have not been admitted to hospital in the last year)
- Arthritis/Osteoarthritis (the affected person must be able to walk independently at home without using mobility aids)
- Anxiety/Depression (No hospital admissions or cancelled trips due to this)
- Acid reflux
- ADHD/Autism
- Back and/or neck problems (no hospital admissions in last 2 years, not prescribed daily pain relief)
- Breast cancer (No spread to other areas of the body, diagnosed more than 2 years ago)
- Basal cell carcinoma
- Coronavirus (COVID-19) including Long Covid (providing there is no ongoing treatment)
- Diabetes (providing there have been no complications other than: retinal damage, nerve damage, leg or foot ulcers)
- Enlarged prostate (Benign only)
- Glaucoma (providing it is not a complication of diabetes)
- High or controlled blood pressure
- High or controlled cholesterol levels
- Hiatus hernia (No hospital admissions in last 2 years, no ongoing treatment)
- Inguinal hernia (groin hernia)
- Irritable Bowel Syndrome/IBS (providing no hospital admissions in the last 2 years)
- Low blood pressure
- Osteoporosis (with no fractures/broken bones or joint replacements in last 2 years)
- Overactive thyroid,
- Prostate cancer (which has not spread to other parts of the body and which was diagnosed more than 2 years ago)
- Underactive or overactive thyroid
The following list of minor ailments are also covered:
- Acne
- Allergic rhinitis
- Allergies (with no hospital treatment in the last 12 months),
- Bladder weakness
- Blindness or partial sightedness
- Broken bone (fully recovered & no further follow-ups)
- Carpel tunnel syndrome
- Cataracts
- Chicken pox (if completely resolved)
- Common cold
- Cuts and abrasions (which are not self-inflicted and do not need further treatment)
- Cystitis (provided you are not having any ongoing treatment),
- Deafness
- Diarrhoea and vomiting (if completely resolved)
- Downs Syndrome
- Eczema (providing no hospital admissions in last 12 months)
- Essential tremor
- Flu
- Gout
- Haemorrhoids
- Hayfever
- Ligament or tendon injury (with no current treatment required)
- Macular degeneration
- Menopause
- Migraine (with no ongoing investigations),
- Nasal polyps
- PMT
- Rosacea
- Sinusitis
- Tinnitus
- Urticaria
- Varicose veins in legs
- Vomiting and diarrhoea (if completely resolved)
- Vertigo
- Weak bladder
You will not be eligible for any cover under this policy if you have more than one of the conditions listed below:
- Angina treated with a coronary angioplasty/Stents (with no hospital admissions or treatment in last 2 years other than prescribed medication)
- Arrhythmia, including benign arrythmia (with no hospital admissions in last 2 years)
- Heart attack (with no hospital admissions or hospital treatment in last 2 years)
- TIA/Transient Ischemic Attack/Mini Stroke (which happened more than 2 years ago)
