Answered by Tom Conner
It is usually possible to set -up a group / business health insurance scheme on a medical history disregarded (MHD) basis with 20 or more employees, although this will vary from insurer to insurer.
It is worth noting that the premiums charged by the insurers would be around 20-25% more for a for an MHD scheme relative to a scheme underwritten on a moratorium basis. This is because an MHD scheme carries more risk and a higher claims ratio given that pre-existing conditions would be covered.
Frequently Asked Employee Benefits Questions
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