If I take out private medical insurance will I need to have a medical?

I am moving closer to retirement and am looking at my options when it comes to private health insurance. If I decide to take out a plan given my age will I need to undergo a medical?

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

Answered by Andrew Jenkinson

There are two options when it comes to underwriting a private medical insurance plan. When applying you can either opt for full medical underwriting or moratorium underwriting, neither will require a medical screening however it is important to understand how both work and what your options are.

What is Full Medical Underwriting?

Opting for full medical underwriting at application stage you will be required to disclose your medical history, providing information about any conditions you may have suffered and any treatment that may have taken place. With this information the insurer will then decide what whether any exclusions will be placed on your plan.

What is Moratorium Underwriting?

With moratorium underwriting the health insurer will not require you to declare your medical history instead the health insurer will not provide cover for any medical condition you may have suffered from in the recent past, often the past 5 years.

Although these conditions would not be covered at point of application they can be re-included within the health plan at a later date. Pre-existing conditions can be re-included whilst covered under the plan should you go a period of time, often 2 consecutive years where you have not had symptoms, received treatment, medication, tests or advice for the condition.

If you have existing medical conditions

Should you have existing medical conditions to declare it is always worth speaking to an adviser as insurers can differ on the terms they offer and the adviser will be able to give you an indication of what is likely to be excluded from the health insurance cover.

retirement
 
private health insurance
 
medical screening
 
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’m about to apply for private health insurance but I’m not sure what the difference is between moratorium...
 
We have a private medical insurance plan for our family and our eldest is going off to University soon...
 
I am considering taking out health insurance and am unsure to what extent it will cover me, if I needed...
 
I smoke about 10 cigarettes per day and I know sometimes this can increase insurance premiums, is this...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Cecilia Walsh
04/12/2017

I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.

Kevin Spence
05/12/2017

Was extremely impressed with the service we received from Michael. He was so helpful with good advice and saved us money. The policy was set up and running with in a couple of days. Would definitely recommend to friends. Thank you.

Omar Holmes
05/12/2017

Sam Carr was very knowledgeable, efficient, called when he said he would and kept me updated through out the process.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1331 Reviews
P
Overall Rating
Professional, quick and straightforward service from Victoria for the second time in a raw.
O
Overall Rating
Sam Carr was very knowledgable, efficient, called when he said he would and kept me updated through out the process
K
Overall Rating
Was extremely impressed with the service we received from Michael.He was so helpful with good advice and saved us money.The policy was set up and running with in a couple of days.would definitely recommend to friends.Thank you.
A
Overall Rating
I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.
S
Overall Rating
Ceiron King did an amazing job setting up my insurance. He was meticulous to all details and made sure everything was individually tailor made to suit my circumstances. When I had queries he was able to take on board any issues and find solutions quickly. Pleasant, easy to talk to, engaging, personable chap who effortlessly made me feel that I'd found the right firm. Highly recommended.