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Ski Insurance

Pre-existing Medical Conditions

This insurance policy provides cover for unforeseen medical events only. Not all Pre-existing Medical Conditions are covered under the policy.

A pre-existing medical condition is:

  • Any medical, physical or mental condition, defect, disease or illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or

  • Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or

  • Any chronic or ongoing (whether chronic or otherwise) medical or dental condition or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or

  • Any condition for which you have undergone surgery in the past 12 months; or
  • Pregnancy ; or
  • Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed.

This above definition applies to you, your travelling companion, and a relative or any other person.

What Conditions Are Covered Automatically

You have cover if your Pre-existing Medical Condition is described below provided the condition has been stable for more than 12 months, there is no planned sugery, treatment or specialist review, you have not attened hospital for treatment for that condition in the past 12 months. Please note that we cannot provide cover for any other conditions.

  • Acne
  • Allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever
  • Asthma – providing that you have no other lung disease and are less than 60 years of age at the date of issue of the certificate of insurance.
  • Bell’s palsy
  • Benign positional vertigo
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease (gluten intolerance)
  • Congenital blindness
  • Congenital deafness
  • Dry eye syndrome
  • Diabetes mellitus (Type I & Type II) – providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications, do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and are under 50 years of age at the date of policy issue 
  • Epilepsy – providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
  • Folate deficiency
  • Gastric reflux (heartburn, indigestion)
  • Goitre
  • Glaucoma (increased ocular pressure)
  • Graves’ disease (underactive thyroid)
  • Hiatus hernia
  • Hypercholesterolaemia (high cholesterol) and Hyperlipidaemia (high blood lipids)  – provided you do not also suffer from a known cardiovascular disease
  • Hypothyroidism (underactive thyroid), including Hashimoto’s disease
  • Hypertension (High Blood Pressure) – provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95
  • Impaired glucose tolerance (glucose intolerance, pre-diabetes)
  • Incontinence
  • Insulin resistance
  • Nocturnal cramps
  • Osteopaenia 
  • Pernicious anaemia
  • Raynaud’s disease
  • Sleep apnoea
  • Trigeminal neuralgia
  • Trigger finger
  • Vitamin B12 deficiency



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