It is crucial that you declare any pre-existing medical condition(s) of all people to be covered on the policy when: Opening your bank account. If there have been any changes in your health after making your declaration, including a change to any regularly prescribed medication (repeat prescriptions). You develop a medical condition before booking your trip. You develop a new medical dondition before travelling on a trip already booked. (Note: If you still wish to go on your trip and are not travelling against medical advice, your policy will continue to provide cover subject to the terms and conditions.) You can make your declaration by applying for a medical upgrade and completing the medical screening process. This will involve answering a series of questions regarding the pre-existing medical condition. It is best to make your declaration using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. Alternatively you can contact our Membership Services team by phone using the details in your banking documents.   Having made your declaration you will find out whether the pre-existing condition is: Automatically covered as a no screen pre-existing medical condition. Covered without an additional premium being required. Covered subject to an additional premium being paid. Excluded for claims relating to the pre-existing medical condition. Other FAQs about pre-existing medical conditions can be found in General FAQs.