You must answer Yes to this question if anyone to be insured under this policy has:

• Any ongoing, recurring, chronic, or serious illness, injury, disease or condition (including anxiety state or depression, mental, nervous or emotional disorder) for which any person travelling under the policy has ever been prescribed medication, or  received surgery, in-patient or outpatient treatment or investigations in a hospital or clinic.
• Any symptoms or condition for which any person travelling under this policy is under investigation or where they are awaiting tests, or test results, or surgery & the cause has not been diagnosed
• A terminal illness

You will then be asked some more specific questions that will help identify whether you need to be medically screened. Being medically screened does not necessarily mean that you will pay any more premium, but will help ensure that we can provide the cover that you need.

We will provide cover for claims associated with those pre-existing medical conditions or disabilities that you have disclosed to us, we have accepted in writing and for which you have paid any additional premium due. We cannot provide cover for conditions that you choose not to tell us about or where your (or their) state of health is worse than you have told us.