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 and there will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
Conditional Medical History Disregard (MHD)
We also offer conditional medical history disregard term to groups of 5 to 9 employees. For those, we will ask each person to be covered to complete a medical questionnaire, telling us about their medical history. Our underwriting team will then review each form and decide if medical history disregarded terms can be offered.