Below we have outlined the most common questions asked about health insurance. Please click on a question to get the relevant answer.

Need health insurance?
What is Private Medical Insurance?
Can I afford PMI cover?
Will my insurer need my medical history?
What are the different types of health insurance available and what do they it cover?
Is a group or company policy available?
Do I need PMI even though the NHS is available?
PMI and Underwriting.
What is Moratorium Underwriting?
What is Full Underwriting?
Do I chose my underwriting method?
What should I consider?
Where can I get health insurance?
How much will it cost?
How many quotes should I get?
How do I renew my health insurance policy?
What if I want to change insurers?
How do I make a claim on my Private Medical Insurance home insurance?

What is Moratorium Underwriting?

This is a common form of underwriting used by PMI companies in the UK, it covers each individual under a PMI policy excluding any medical conditions that have been treated with advice, treatment or medication in the five years preceding the beginning of the insurance.
If all treatment, including medication, ceases after 2 years then your cover will resume for that condition. However some insurers will not cover some pre-existing conditions unless you specifically design your policy to cover them. Specialist policies are available for cancer cover.
Moratorium Underwriting is a quicker application process so your cover will start sooner after your initial application.

Compare Health Insurance