International health insurance
designed for businesses

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
• There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
• Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
• Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
• This option is available to individuals or groups with 3 to 9 policies
• Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Medical History Disregarded terms is members’ health information is not assessed. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered.
• Pre-existing conditions are usually covered.
• Claims process is shorter because we already know that pre-existing conditions are covered.
• This option is usually offered to groups with more than 10 policies.  

We offer coverage and support for most countries around the world with certain locations supported via specific regional plans.  For specific coverage queries, please contact our Sales Team, and they will be happy to assist you.

We generally  cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

For further information, please contact our Sales team.

Global Employee Benefit Programs are risk management and pension solutions designed to simplify things, streamlining administration, adapting to local needs and providing consistent protection for employees worldwide. With more than 110 insurance partners in over 90 countries, our established insurer network allows us to incorporate local employee benefits, insurance solutions (life, health, disability, accident and pension) and services into global programs. Our Global Employee Benefit Programs reduce complexity, deliver innovative local solutions, and provide insightful global reporting in a simple way.