Untitled Document

Ibiza Direct Holidays Holiday Insurance

Insurance arranged by CITYBOND TRAVEL CONSULTANTS

Health Conditions
Medical Referrals and Material FactsTravel Insurance Summary of Benefits

Health Conditions

Whilst this insurance is not subject to a health warranty, the Underwriting Agents shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INSURANCE:

a)	The Insured Person is aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim.
b)	Any Person, including those who are not travelling, whose condition may give rise to a claim:
	i) has during the last twelve months prior to taking out this insurance suffered form any chronic/recurring illness of a serious nature which has necessitated consultation or treatment unless declared in advance to and accepted by the Underwriting Agents; or
	ii) is suffering from anxiety or depression or from any previously diagnosed psychiatric disorder; or
	iii) is receiving, or is on a waiting list for inpatient treatment in a hospital or nursing home; or
	iv) is expected to give birth before, or within eight weeks of the date of arrival home; or
	v) is travelling against the advice of a Medical Practitioner or for the purposes of obtaining medical treatment abroad; or
	vi) has been given a terminal prognosis

Travel Insurance, Summary of Benefits

Medical Referrals and Material Facts

It is important that any material facts such as pre-existing medical conditions are disclosed to the Underwriting Agents by calling the Citybond Medical Helpline on Freephone 0800 195 5910 between the hours of 9.00am and 5.30pm Mondays to Saturdays inclusive. Failure to do so could well prejudice any subsequent claims which may be made. You will be advised whether any special terms will be required.
IF YOU ARE IN ANY DOUBT- PLEASE CALL THE CITYBOND MEDICAL HELPLINE.
A material fact is a fact likely to influence the Underwriting Agents in the acceptance or assessment of the Insurance (for example your own state of health or that of a close relative or business colleague). If You are in any doubt as to whether a fact is 'material' then for your own protection it should be disclosed.

Health Conditions

Travel Insurance Summary of Benefits -Up to
Section	(Per Person per trip)	Spectrum Premier
1	Medical and other expenses **	£10,000,000
2	Hospital inconvenience	£1,000
3	Cancellation or curtailment *	£5,000
4	Personal accident	£15,000
5	Personal baggage * Single Article Limit Valuables Limit Business Samples and Documents	£2,000 (£250) (£250) (£400)
6	Personal Money * (Cash Limit)	£500 (£200)
7	Delayed Baggage	£100
8	Missed Departure	£600
9	Departure Delay	£300
10	Personal Liability	£2,000,000
11	Loss of Passport	£500
12	Legal Expenses	£10,000
13	Hijack Cover	£5,000
14	Catastrophe Cover	£400
15	Homecare Cover	£400
16	Pet Care	£250
24 hour medical emergency service included
These sections are subject to an excess of £50 per claim per insured person (£15 deposit only claims) Minimum excess £50 per claim per insured person, an excess level of £150 applies for more hazardous activities. Please phone 01689 850115 for more details.*

Health Conditions Medical Referrals