What is a pre-existing medical condition?

Any medical condition to which you have been prescribed medication or for which you have received, or are waiting to receive, treatment (including surgery, tests or investigations) within the last 2 years.

We are unable to offer cover for any of the following conditions (whether controlled or not) where you have ever suffered from:

  • Cardiovascular condition (any condition relating to the heart, arteries, veins or blood pressure)

  • Respiratory condition (relating to the lungs or breathing)

  • Stroke

  • Cancer

  • Crohn’s disease

  • Epilepsy

  • High cholesterol

  • Diabetes

Additionally, we are also unable to offer cover for any medical condition to which you have been prescribed medication or for which you have received, or are waiting to receive, treatment (including surgery, tests or investigations) within the last 2 years, other than those conditions listed below

If you have any of the medical conditions listed below, you will be covered automatically under our standard policy:

  • Acid reflux

  • Acne

  • Allergy (requiring non-prescriptive treatment only)

  • Attention Deficit Hyperactivity Disorder (ADHD)

  • Broken bones (except back and skull)

  • Cataracts

  • Colds or influenza

  • Dyspepsia

  • Eczema

  • Gout

  • Hayfever

  • Hysterectomy (provided carried out more than 6 months ago)

  • Irritable bowel syndrome

  • Menopause

  • Migraine

  • Psoriasis

  • Tonsillitis

  • Underactive thyroid

  • Varicose veins

If you do NOT require any cover for medical conditions (with the exception of the above) please continue to get a quote with us.

If you DO require cover for pre-exisiting medical conditions (with the exception of the above) please contact Freedom Insurance.

'Quote with Freedom Insurance' will transfer you to Freedom Insurance (underwritten by AXA Insurance UK plc), who may be able to assist you with insurance. However, if you would prefer to speak to someone please telephone 01223 446936.