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Karma Insurance : Pre-existing Medical Conditions

 

Company:

Karma Insurance

Product category:

Travel Health Insurance

Sub-category:

Travel insurance for pre-existing conditions

 


 

Product profile

 

Description

Travel insurance for a single trip

For

  • Lower age limit 18
  • Upper age limit 69

 

Stabilised medical conditions included without any additional charge

  • Allergies or Adverse Reactions to certain substances such as foods or medication

  • Alzheimer’s Disease provided the insured is accompanied by an insured 'fit' carer and subject to £250 excess for cancellation and curtailment claims arising directly from the condition

  • Asthma provided the condition is stable by use of puffer administered medication, severe conditions requiring use of a nebuliser are excluded, but may be covered by proceeding to medical underwriting

  • Diabetes

  • Disability or impairment which effects any of the following categories of capacity: mobility, manual dexterity, physical co-ordination, continence, ability to lift or carry everyday objects, speech, hearing, eyesight, memory, concentration, ability to learn or understand

  • Epilepsy provided the condition is stable enough to consider the insured to be fit enough to hold a valid UK driving licence (seek GP advice if in doubt)

  • Haemophilia (but no hazardous or extreme activities including winter sports)

  • Hypertension or high blood pressure controlled on two or fewer types of medication

  • Hypothyroidism

  • Hormone replacement therapy

  • Multiple Sclerosis: conditions as Alzheimer’s

  • Parkinson’s Disease: conditions as Alzheimer’s
     

Important areas covered with limits shown

  • Cancellation/curtailment £3000
  • Personal possessions £2000
  • Emergency Medical/Travel epenses £5 million
  • Personal Liability £2 million
  

Other cover 

  • Money
  • Hospitalisation cash
  • Personal Accident
  • Missed departure
  • Travel delay
  • Passports tickets and documents
  • Overseas legal fees
  • Withdrawal of services
  • Hi-jack
  • Mugging
  • Catastrophe
  • Complete Traveller Protection

  

Options

  • Travel legal expenses
  • Winter sports with search and rescue
  • Golf
  • Business
 

Want to know more?


 

Last updated: 16 July 2008