More about underwriting types:
Moratorium underwriting
You won’t be able to claim for any condition you had during the five years before your cover started.
If you have had a pre-existing condition in the five years before your start date, you’ll only be covered for it once you’ve been free from medication, treatment, diagnostic tests or advice for the condition for two continuous years after your cover started.
We will, of course, take care of any new health conditions from your start date.
Full medical underwriting
We consider your past health, and we may exclude any pre-existing conditions or any related or associated conditions unless we choose to accept them.
Please note: If you select full medical underwriting, we will add the member for you. However, we'll still need you to fill out an application form to make sure we have the person's most up-to-date medical history. If you don't complete the form, it could affect any future claims.
Child under 3 months old
If the member you’d like to add is under three months old, we’ll automatically add them from birth regardless of their health (medical history disregarded basis)
If you are unsure
If you’re not sure, we can get in touch to discuss which option would be best.