Health Screening
Important Conditions Relating To Health.
Please note certain medical conditions will incur an additional premium.
Tel: 0818 286 524
Private Health Insurance Members
If you hold a valid private health insurance with a minimum of €55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.
Important note: Your Private Health Insurance cover must include a minimum of €55,000 of inpatient medical cover abroad. It must cover all Insured Person(s) and cover the full duration of your planned trip otherwise you will still be required to contact the medical screening line to declare your medical condition(s).
Non Private Health Insurance Members
Do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?
If so, it is a condition of this policy that you will not be covered for any claims arising directly or indirectly from this medical condition(s) unless you contact us on 0818 286 524 and we have agreed in writing to cover your medical condition(s). Please see below for limitations on the above.
If you have only one medical condition and it is one of those shown in the table below, then this will be covered under the policy without the need to contact us. If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening.
 Achilles Tendon Injury |
Acid Reflux |
| Acne |
Anal Fissure/Fistula |
| Allergy (requiring non prescriptive treatment only) |
Bells Palsy (in isolation only) |
| Benign Prostatic Enlargement |
Blindness |
| Broken/Fractured Bones (not head or spine) |
Carpal Tunnel Syndrome |
| Cataracts |
Colds or Influenza |
| Colitis (no hospital admissions in last 12 months) |
Corneal Graft |
| Cuts & Abrasions (non self-inflicted) |
Cyst Breast (Benign) |
| Cyst Testicular (Benign) |
Cystitis |
| Diarrhoea and/or vomiting (resolved) |
Dislocated Hip |
| Dyspepsia |
Eczema |
| Epididymitis |
Essential Tremor |
| Fungal Nail Infection |
Gall Bladder Removal (if more than 3 months ago) |
| Gastric Reflux |
Glandular Fever |
| Glaucoma |
Gout |
| Hayfever |
Hemorrhoids (Piles) |
| Hernia (not Hiatus) |
Hip Replacement |
| HRT (Hormone Replacement Therapy) |
Hyperthyroidism (Overactive Thyroid) |
| Hypothyroidism (Underactive Thyroid) |
Hypercholesterolaemia (high cholesterol) |
| Hysterectomy (provided carried out more than 6 months ago) |
Irritable Bowel Syndrome |
| Macular Degeneration |
Menopause |
| Menorrhagia |
Migraine (confirmed diagnosis, no on-going investigations) |
| Myalgia (Muscular Rheumatism) |
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue) |
| Nasal Polyp(s) |
Neuralgia, Neuritis |
| Nut Allergy |
Osteochondritis |
| Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures |
Pelvic Inflammatory Disease |
| Psoriasis |
Reflex Oesophagitis |
| Rheumatism |
Rhinitis (Allergic) |
| Shingles (Herpes Zoster) |
Shoulder Injury |
| Sinusitis |
Sleep Apnoea |
| Tendon Injury |
Tonsilitis |
| Underactive Thyroid |
Uriticaria |
| Varicose Veins legs only (if GP has confirmed that client is fit to travel) |
It is a condition of this policy that you will not be covered under Section A (Cancellation or Curtailment Charges), Section B (Emergency Medical and Other Expenses), Section C (Hospital Benefit), Section D (Personal Accident) and Section X3 – Green Fees for any claims arising directly or indirectly from:
At the time of taking out this policy or at the time of booking the trip:
- Any medical condition for which you or a close relative or a travelling companion are aware of but have not had a diagnosis.
- Any medical condition for which you or a close relative or a travelling companion have received a terminal prognosis.
- Any medical condition for which you or a close relative or a travelling companion are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
At any time:
- Any medical condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
- Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
- Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner.
- Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
- Any routine tests or investigations (including any costs associated with the discovery and/or treatment of any medical condition arising from tests or investigations).
- Any surgery, treatment or investigations arising from investigations or tests for which you were pending the results of prior to your departure from Ireland.