Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

Difference Between Moratorium and Full Medical Underwriting?

I’m about to apply for Private Health Insurance but I’m not sure what the difference is between moratorium underwriting and full medical underwriting? Is it important?

Question asked by Stuart Grierson

Yes, it is very important to get this right. The method by which you take out cover can have a very large impact on what is actually covered in terms of possible exclusions due to past medical advice and treatment.

Definition of Moratorium Underwriting (MORI)

This method states that any medical condition for which you have sought medical advice for in the last 5 years would be automatically excluded.

Most insurers offer a ‘rolling moratorium’ and this usually means that if you do not need to seek medical advice for that (excluded) condition in the next 2 years then cover for that condition can be re-included in the policy.

A very small number of insurers offer what is called a ‘fixed moratorium’ and this usually means that even if you have sought medical advice for the (excluded) condition in the 2 year period after the policy was taken out the insurer will re-include cover after the 2 years is up.

Of course, the re-inclusion of any condition is subject to the insurer’s discretion.

Definition of Full Medical Underwriting (FMU)

With this method you would disclose any past medical conditions on the application and the insurer would decide if they are able to offer cover for those conditions or not (please note that different insurers may come back with different results).

If an exclusion is placed on the plan it is usually possible to have that exclusion reviewed at each policy renewal but you would need to pay for medical evidence to be provided from your doctor to support your argument that the past condition is no longer a problem.

Moratorium or Full Medical Underwriting?

This all comes down to the medical condition that you have suffered. With full medical underwriting any potentially serious medical conditions that you have experienced in the past (even if it was over five years ago) may be excluded. With a moratorium this would not be the case if you last had symptoms over 5 years ago.

On the flipside, with the moratorium method a medical consultation for something that may not have actually amounted to anything could potentially exclude a whole area of the body if it was within the last 5 years. Additionally, something seemingly minor like a short period of back pain 4 years ago would result in an exclusion. This is unlikely to be the case with full underwriting.

Get Independent Advice…

If you have seen the GP in the last 5 years for anything other than your typical coughs and colds then it is very wise to run through with an independent insurance adviser such as Drewberry.

As advisers, we’re equipped to contact the underwriters at various insurers and establish which method of underwriting would benefit you most and which insurer is likely to offer you the most favourable terms.

If you do not have a broker please feel free to call us on 02084327333 to run through with one of our expert advisers. We do this day in, day out so are well prepared to help with your Health Insurance needs.

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
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
How Does Continuing Personal Medical Exclusions (CPME) Work if I Switch My Health Insurance Plan?
How does continuing personal medical exclusions (CPME) work if I switch my health plan? I have existing health cover and am look to find a cheaper alternative, I have claimed on the policy in the past and wanted to know if I would still be able to claim
I am Close to Retirement, Are There Specific Senior Health Insurance Plans?
I am close to retirement, are there specific senior health insurance plans? Now I am closing in on retirement I am reviewing my current situation
What Do Private Medical Insurance Providers Consider Pre-Existing Conditions?
What do private medical insurers consider as pre-existing conditions? I have been speaking to friends and understand that pre-existing medical
If I Take Out Private Health Insurance, Will I Still Be Able to Use the NHS?
If I take out private health insurance will I still be able to use the NHS? We are looking at taking out a comprehensive medical insurance plan and wanted to know whether we would be expected to rely solely on our private health plan or whether we can
Does Health Insurance Cover Physiotherapy Costs?
Does health insurance cover the cost of physiotherapy? If I need to see a physiotherapist will health insurance pay for this
Does My Private Health Insurance Cover Me for Routine Dental Treatment?
Does my private medical insurance cover me for routine dental treatment? I go to a private dentist for check-ups and hygienist and pay for the treatment out of my own pocket. I have private medical insurance and wanted to know whether I could claim back a
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.