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Our medical links section provides access to useful information and services

What is Underwriting

Private medical insurance companies have 3 different types of underwriting, they are:

  • Moratorium
  • Full Medical Underwriting
  • Switch

Moratorium

With Moratorium you and any family member(s) applying for cover do not have to provide full medical history details on application; however, we may request more detailed information from your doctor of any family member(s) for each new condition claimed for.

Benefit will not be provided for at least 2 years for any pre-existing condition(s) which you or any family member(s) applying for cover have had during the 5 years before your policy starts, or any new symptoms/conditions that start in the first 14 days of your policy (90 days for cancer conditions, whether diagnosed or not).

Pre-existing conditions are medical condition(s) and other directly related conditions, for which treatment was received and/or medication was prescribed or professional advice was sought or where symptoms existed (whether the underlying condition has been diagnosed or not).

If you or any family member(s) applying for cover do not have symptoms, treatment, medication or advice for pre-existing conditions for two continuous years after your policy starts, then benefit may be provided within the terms of your policy.

Your policy will not provide benefit for pre-existing long-term medical conditions (and related conditions) which are likely to require regular or periodic treatment, medication or advice. This is because the Moratorium symptom-free period starts each time you receive such treatment, so it’s unlikely you’ll ever have two consecutive years free of treatment.

It is important that you or any family member(s) applying for cover do not delay seeking medical advice or treatment for any condition during the moratorium period.

Full Medical Underwriting (FMU)

If you have fully underwritten cover, your Policy does not cover medical conditions (and any medical conditions that are directly linked to them) which you have or had before the day that you take out the Policy.

You will be asked to fill in a form, giving details of your medical history. If necessary, we may write to your doctor for more information. It is essential that you give all the information that you are asked for. If you don´t, you may find that your claim might not be paid. If you are not sure whether or not to mention something, it is best to do so. If you have a medical condition, which is likely to come back, we will issue a Policy, but that condition (and any related to it) may not be covered, either indefinitely, or for a set period of time.

Switch

If you currently have Private Medical Insurance you can switch to WPA in one of two ways, depending on your current underwriting:

  • You and your family member(s) may only join WPA on a Switch with Continued Personal Medical Exclusions basis if you/they have previously been subject to full medical underwriting and if there has been no break in insurance cover since underwriting. You are not required to have been fully medically underwritten with your last insurer, as long as there has been no break in insurance cover from the time you initially underwent full medical underwriting until now.

    With these terms we will apply any existing personal exclusions from your current insurance policy. You and your family member(s) applying for cover will need to answer a few questions about your medical history. On occasions, it may be necessary to apply additional personal exclusions to your new WPA policy. Please note that you will not be covered for medical conditions that started before you took out your previous insurance (the point that you underwent full medical underwriting).

    Your WPA policy will not provide benefit for pre-existing long-term medical conditions (and related conditions) which are likely to require regular or periodic treatment, medication or advice. This is because the Moratorium symptom-free period starts each time you receive such treatment, so it’s unlikely you’ll ever have two consecutive years free of treatment.

  • You and your family member(s) do not have to provide full medical history details on application to join on a Switch with Continued Moratorium basis; however, we may request more detailed information from your GP of any family member(s) for each new condition claimed for.

    Benefit will be provided in line with the Moratorium Underwriting term of your current insurer.

    The benefits and terms and conditions of your new WPA policy will apply; it is only the dates of underwriting with your current insurer that will be matched. There must be no break in insurance cover since underwriting.

    Your WPA policy will not provide benefit for pre-existing long-term medical conditions (and related conditions) which are likely to require regular or periodic treatment, medication or advice. This is because the Moratorium symptom-free period starts each time you receive such treatment, so it’s unlikely you’ll ever have two consecutive years free of treatment.