Travel Insurance FAQs

Important Conditions Relating To Health

Tel: 0818 286 525

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

• Monday: Friday 9am to 8pm
• Saturday: 9am to 5pm
• Sunday: 11am to 3pm
• Quoting Reference: Blue Irish Broker 2015-2016.

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: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, 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 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 this medical condition(s) unless you contact the Medical Screening Line on and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of ‘Medical Conditions which do not require screening’ below, then this will be covered under the policy without the need to contact us.

Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

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:

1. Any medical condition for which you are aware of but have not had a diagnosis.
2. Any medical condition for which you have received a terminal prognosis.
3. Any medical condition for which you are receiving or 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.

The following exclusions apply to all insured persons at all times:

1. 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.
2. 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).
3. Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
4. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.

Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, 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:

1. Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
2. Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
3. Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

You should also refer to the general exclusions in the policy wording.

Medical Conditions which do not require screening

Important Note: 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)