Buddy Diving Insurance - Health Disclosures

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	Health Disclosure

YOU ARE NOT COVERED IF AT THE TIME OF TAKING OUT THIS INSURANCE AND/OR PRIOR TO BOOKING EACH SEPARATE TRIP:

(a) You are 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 twelve months prior to taking out the insurance and/or prior to booking each separate trip suffered from any chronic and/or recurring illness of a serious nature which has necessitated consultation or treatment unless declared to and accepted by Underwriting Agents; or
(ii) is suffering, or has suffered, from anxiety or depression or from any diagnosed psychiatric disorder; or
(iii) is receiving, or on a waiting list for, treatment in a hospital or nursing home; or
(iv) is expected to give birth before, or within fourteen weeks of the date of arrival home; or
(v) is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad; or (vi) has been given a terminal prognosis.

All material facts must be disclosed to the Underwriting Agents. Failure to do so may affect your rights under the insurance. 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.) If you are in any doubt as to whether a fact is ‘material’ then for your own protection it should be disclosed.

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Buddy is a division of John Holman & Sons Limited - Lloyd's Brokers. Registered in England - Number 2858300
John Holman & Sons Ltd is authorised and regulated by The Financial Services Authority