What do private medical insurers consider as pre-existing conditions?

I have been considering health insurance and speaking to friends understand that pre-existing medical are likely to be excluded from cover. What do they consider serious enough to be excluded?

Question asked by Benny Gordon
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth

Answered by Andrew Jenkinson

A pre-existing medical condition can be defined as a condition which an individual received care, treatment or medical advice for, it is true pre-existing medical conditions tend not to be covered under a private health insurance plan. At application stage there are two routes you are able to take in terms of underwriting to confirm what, if any condition can be considered pre-existing and excluded from the plan.

What are my underwriting options?

The first option is to underwrite the plan on a moratorium basis, moratorium underwriting simple means you agree to set up the plan on the basis that any medical condition you have suffered in the past 5 years would not be covered for at least the first two years of the plan.  If in those first two years of holding the policy you do not suffer or receive treatment for a particular pre-existing condition it would then be re-included within your plan.

Alternatively the health plan can be fully medically underwritten (FMU), at application stage you would declare your medical history and any existing or past conditions will be considered by the insurer and a decision made whether to exclude from the medical plan.

medical underwriting
 
moratorium underwriting
 
pre-existing medical condition
 
full medical underwriting
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Private Medical Insurance Questions

 
I smoke about 10 cigarettes per day and I know sometimes this can increase insurance premiums, is this...
 
I have just been given company Private Medical Insurance through work and received my policy documents...
 
I have always simply used the NHS and now I have reached a point in my life with enough disposable income...
 
I am coming to the UK to study and have been told for my visa I require comprehensive sickness insurance,...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Kevin Paul
05/09/2017

Excellent service renewing our medical insurance, professional advice, good rates found and excellent professional after service, highly recommended.

Max Edgar
09/09/2017

Nadeem was brilliant. He was very patient and worked very well with me to come up with the best solution possible for my budget. Perfect solution. Thank you very much.

Aidan Smyth
11/09/2017

Dealt with me promptly and provided me with the most cost-effective option consistent with my requirements. Very pleased and thank you.

We are rated 4.9/5 based on 1129 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.93 / 5 Average
1,222 Reviews
A
Overall Rating
Really, really helpful! Stopped me from signing up with an unhelpful company, and did basically all of the legwork for me in signing up with the right one. I can't have been the most helpful client as I'm 19 and only just started looking into it last week, but he took all the questions in stride! Put up with me turning to ask my dad questions every 2 minutes as well. I was helped by 2 workers; Sam and Nick. Thank you very much to both!
L Finch
Overall Rating
Good communication and follow ups. Friendly. A thorough research for my insurance needs.
M
Overall Rating

Sam Barr-Worsfold was very helpful and provided excellent customer service. Sam discovered I was paying too much premium for my current cover. Sam recommended and helped moved to a new cover with lower premium that provided the level of cover (terms required stated in the provider's policy) I wanted. I recommend highly recommend Sam and Drewberry Insurance. Thank you Sam.
Anonymous
Overall Rating
Thorough, knowledgeable and great communication
Anonymous
Overall Rating
Went through each policy in detail and made sure I was getting the correct one for me