Why Do I Need To Answer Medical Screening Questions Every Year?

Medical Screening

Hi there, I took out annual travel insurance with Essential Travel last year. When I renewed it this year I was presented with the same medical screening questions. Do I need to answer these every year, even if I am still in good health? Joey Palmer, Manchester

Our Answer

Hi Joey,

Yes, you will have to answer the medical questions every time you get a policy from us. There are a number of reasons for this, which have more to do with saving you money and providing a policy that covers you adequately than anything else.

Keep in mind: If you are not sick, unhealthy or on any medication, you will only be asked three or four easy questions. The whole process won't take you longer than 40 seconds. Our main goal is to make sure those who have medical conditions to declare receive the cover they require and are aware of the cover limitations.

The conditions for coverage do not change, even if you are still in perfect health.

Strict Confidentiality

To start out, we need you to know that all medical details submitted during the booking process are strictly confidential. All information passed back and forth between our clients is used for admin purposes, and no records are stored to protect your privacy - this is another main reason we need you to answer the medical questions every year.

Non-Invasive Questions

The medical questions we ask are not geared to making you divulge personal information. They are straight-forward, standardised and brief. We only need the basic facts, so that we can tailor your policy accordingly.

Pre-Existing Medical Conditions

There is no need to worry if you have a condition - we cover a large number of pre-existing medical conditions at no additional charge.

If you have a serious condition or need a doctor's permission to travel, we will firstly ask you to answer a more comprehensive questionnaire - to gauge the health risk of providing you with cover. If your condition is not included in our list of covered pre-existing medical conditions, we will refer you to a travel doctor for a personal consultation.

If any of the following points apply to you, we need to know, as it may affect your policy:

  • If you are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment
  • If you are on any medication or have recently recovered from a serious illness
  • If you are on a hospital waiting list or awaiting the results of any medical investigations
  • If you are pregnant

If you are put at risk by travelling, this does not mean we won't cover you. The important thing is that we know beforehand, as there may be an additional charge to your premium or conditions on the policy. Failure to bring something like this to our attention can result in your claims not being paid out.

I hope this helps, Joey. Happy travels.

Last Updated: March 2011