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How Many Employees Do We Need for Medical History Disregarded Company Health Insurance?

We are considering setting up a Business Health Insurance scheme for our employees and want to know they are covered for any treatment they may require.

To ensure our employees can obtain cover for existing medical conditions I wanted to know how large the scheme needs to be before you can apply for medical history disregarded cover?

Question asked by Andrew Ridley

It is usually possible to set up a group / Business Health Insurance scheme on a medical history disregarded (MHD) basis around 20-25 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.

Drewberry set up our insurance and were really helpful and made it very easy. I was really pleased at how responsive they are and how friendly and easy they made the whole process. I am delighted to be working with them.

Tara Wavre
13/03/2019
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