For companies starting a new plan with us and not currently insured elsewhere, three medical underwriting methods are available to assess the terms on which we can offer you insurance.
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Choosing the moratorium method means your plan members do not have to complete a health questionnaire; we will automatically exclude cover for any conditions that have existed over the last five years.
We may cover pre-existing conditions if the plan member remains free from any related treatment, medication, symptoms or advice for two consecutive years after they join, subject to the terms and conditions.
This option involves your plan members completing a full medical questionnaire. We'll then provide them with a certificate of insurance listing any pre-existing conditions they may have that would not be covered by the plan.
Both of these underwriting methods are similar in that they cover your employees for medical conditions that arise after they join, and not for any pre-existing conditions unless we agree to include them.
This option is only for plans with more than 20 members. You can choose to have your employees covered on a medical history disregarded basis for an additional premium.
If your employees are accepted on medical history disregarded terms, our moratorium clause will not apply. They will not need to complete any medical questionnaires and we will not apply any exclusions for any pre-existing conditions they may have. The remaining terms and conditions will still apply.
If you already have a company healthcare policy provided by another insurer, we can provide you with continuity of cover on the same underwriting terms if you switch your business healthcare plan to us.
Please note: The benefits offered by us may be different from those provided by your current insurer.
