Can you cover my pre-existing medical conditions?

We are able to offer cover for a variety of pre-existing medical conditions on our ‘Select’ Silver, Gold and Platinum policies. Offering cover for pre-existing medical conditions is subject to a short assessment and once assessed we may require an additional premium to cover any increased risk the pre-existing medical condition may pose.

It is essential that the medical questions presented through the quotation process are answered completely and accurately, and that all relevant medical conditions for all travellers are declared, as we are unable to offer partial cover, which means that declaring some but not all relevant medical conditions would invalidate your policy.

As an example, if you have been treated for high blood pressure, high cholesterol and asthma, you must screen all three conditions. If you declare two of these conditions and not the third we would not have adequately assessed your insurance risk. This means that in the event of a claim cover is likely to be declined.

Money Helper - Medical Directory

If you have or have had a serious pre-existing medical condition that Southdowns cannot offer cover for, Money Helper (provided by HM Government) can help you find specialist cover through their Medical Directory.

You can access the directory:

  • online through the Money Helper website
  • by phone on 0800 138 7777 - calls are free and lines are open Monday to Friday, 8am to 6pm