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.

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

• You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
• Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
• Claims process is shorter because we already know if pre-existing conditions are covered.
• This option is available to individuals or groups with 3 to 9 policies.

Medical History Disregarded terms is when 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.

FIND OUT MORE

Members are covered for emergencies only, emergency treatment outside area of cover is treatment for medical emergencies which occur during business or holiday trips outside your area of cover.

Cover is provided for up to six weeks per trip within the maximum benefit amount. It includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to your health. Treatment by a doctor must start within 24 hours of the emergency event.

Cover is not provided for curative or follow-up non-emergency treatment, even if you are deemed unable to travel to a country within your geographical area of cover. Nor does it extend to charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth. Please tell your company’s Group Scheme Manager if you are going to be outside your area of cover for more than six weeks.