Will My Company Health Insurance Scheme Provide Cover for Existing Medical Conditions?

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13/08/2025
7 mins

There are three types of medical underwriting when it comes to Company Health Insurance:

  • Full medical underwriting
  • Moratorium underwriting
  • Medical history disregarded.

Full Medical Underwriting

With a fully medically underwritten scheme you disclose your past medical history when taking out the policy The insurer then makes a judgement based on the information disclosed as to whether any exclusions are to be added to your plan.

Moratorium

A plan underwritten on a moratorium basis usually states that any medical conditions suffered in the past five years will not be covered for the first two years of the policy.

Should you not suffer any symptoms of that condition during the first two years of the plan, it may be re-included within the policy at the insurer’s discretion. Read our guide for an in-depth comparison between full medical and moratorium underwriting.

Medical History Disregarded

If your company scheme is large enough (typically at least between 20-25 members), the policy can be underwritten on a medical history disregarded basis.

With this type of underwriting, there’s no need to declare your medical history, and your employees’ acute pre-existing medical conditions will covered upon joining the scheme.

IMPORTANT❗️
Private Medical Insurance provides access to private healthcare for the treatment of acute conditions. Regardless of the policy underwriting, insurers don’t tend to cover the everyday treatment of chronic conditions. .

Need Help?

Deciding the best type of underwriting for your Group Health Insurance scheme can be tricky. That’s why our friendly consultants are on hand to help you find the right fit for your business. Call 02074425880, email help@drewberry.co.uk, or submit an enquiry to find out your options.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

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Drewberry is a trading name of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 312878. Registered in England and Wales (company number 3910149). Registered address: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

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