Underwriting Guide
Private Medical Insurance is designed to cover new and unexpected medical conditions.
As is common with all Private Medical Insurance products, you will not be covered for medical conditions you have already had or have at the time your cover starts. There are two underwriting options:
Full Medical Underwriting
You will be asked when you join to complete a health questionnaire, giving us details of your current and past health. If necessary, and with your permission, the insurer may ask your doctor for any further details they need. Any disease, illness or injury (whether or not diagnosed) for which you have received medication, advice or treatment, or for which you have experienced symptoms before taking out your policy, will be excluded from your cover along with any related conditions, unless the insurer agrees to accept it.
Moratorium underwriting
Instead of filling out a health questionnaire, an automatic exclusion applies to any disease, illness or injury (whether or not diagnosed), or to any related condition if,
- you had symptoms of, medication or treatment for, or advice about such a disease, illness or injury within five years before joining Express Care
and
- there has not been a clear two year period after joining during which you have been free of medication for, treatment for, and advice about such a disease, illness or injury or related condition.
After this clear two year period, your cover will be extended to include that disease, illness or injury, subject to the insurers policy terms and conditions.
To get health insurance quotes call 0800 043 6701