Answered by Tom Conner
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.
Frequently Asked Employee Benefits Questions
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