Underwritten Group Scheme Application Form

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. Once a member has completed a continuous 24-month period after their start date, their pre-existing medical conditions may be covered, provided they have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

MORATORIUM APPLICATION FORM

We also offer conditional medical history disregarded terms 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.

 CONDITIONAL MHD FORM