PRE‐EXISTING MEDICAL CONDITION is any medical or dental condition, illness, injury, defect or disease (other than common colds or flu):

a) for which advice or treatment (including medication), or investigation has been received or prescribed in the 12 months prior to the issue of the policy (for Single Trip), or in the 12 months prior to booking YOUR TRIP (for Annual Multi‐Trip); and/or
b) which is of a recurring or ongoing nature or any complication directly attributable to it; and/or 
c) of which YOU are aware, or the symptoms of which YOU are aware, or could reasonably be expected to have been aware at the time of applying for this insurance.