Health insurance is designed to protect you against unexpected medical conditions, and the associated costs of treatment. Because of this, the majority of health insurance policies do not cover ongoing treatments for pre-existing conditions, so it is vitally important to understand the extent of your health insurance cover before you take it out

Examples of pre-existing conditions could include:


Medical underwriting and pre-existing conditions

There are different types of private health insurance underwriting, which treat pre-existing conditions differently;

  • Full medical underwriting (FMU)  Involves filling out a questionnaire, and your insurer may want to contact your GP. You must answer questions openly and honestly – otherwise you may encounter issues when later making a claim.  The benefit of going down this route is that it should become clear exactly what is and isn’t covered; if the insurer is going to exclude a pre-existing condition they’ll tell you in advance.
  • Moratorium underwriting  Will automatically exclude all medical conditions which you’ve suffered or sought advice upon in a specific time-frame before you applied for cover – typically five years.
  • moratorium waiting period Is when the exclusion for a pre-existing condition is lifted after a period of time (usually a couple of years), during which you have been medication, treatment, symptom or advice free for that condition.
  • Continued Moratorium  Allows you to join a new scheme with the underwriting dates of your existing moratorium. This usually means pre-existing medical conditions will be disregarding if you meet the moratorium criteria after the moratorium waiting period has passed.
  • Continued personal medical exclusions (CPME)  Is where you supply your new insurer with a copy of your most recent health insurance certificate. The new insurer then copies any exclusions which applied to your previous medical insurance and applies them to your new underwriting. This can be advantageous to you because it allows you to switch insurer without having any new exclusions applied to your policy.
  • Medical History Disregarded (MHD)  Tends to apply to large group scheme and allows you to be insured without any exclusions being applied to your policy for pre-existing conditions. These schemes rely on large numbers of members to spread the risk for the insurer, so this type of underwriting is rarely applied to individual schemes.


Which pre-existing conditions could be covered by health insurance?

Some insurers will make exceptions, for example providing cover for things like blood pressure. The exceptions offered differ greatly between different policies and insurance providers, so it’s important to talk to your Chase Templeton adviser about what cover you could get before applying.

Consider a Health Cash Plan

Cash Plans usually don’t require full medical underwriting, or any medical examination, so if you have pre-existing medical conditions these could be a more affordable way to budget for your health bills. The difference to be aware of is that Cash Plans are designed to cover your smaller everyday health costs – for example dental, optical or alternative therapy fees – rather than large unexpected health bills.

Helping you find cover for your pre-existing medical conditions

At Chase Templeton we discuss your situation, needs and requirements and compare the whole UK market to find an insurance policy that’s right for you. Our free and impartial service means you can be confident you are taking out the health insurance plan that meets your needs. Contact us today to see how we can help.