What is Medical History Disregarded (MHD) in Health Insurance?

I’ve been looking to switch my company’s Business Health Insurance scheme due to some of my employees with pre-existing conditions not getting their medical treatments covered. I’ve noticed that MHD Underwriting is an option for some of the policies I’ve been looking at, but I’m not sure what it means. Can you give me some information about it?

Question asked by Kevin Wen
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02074425880
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Alicia Hempsted

Medical History Disregarded (MHD) Underwriting covers all medical conditions, even pre-existing conditions

What Does Medical Insurance Underwriting Mean?

To give you a well-rounded answer to your question about medical history disregarded underwriting in PMI, it’s important that you first understand what underwriting means in relation to Health Insurance.

Underwriting is a term that refers to the process of health insurance providers using a person’s medical history to evaluate their application for Health Insurance. Essentially, underwriting is the method that insurers use look at your policy and assess what you’ll be covered for.

 

What Does ‘MHD Underwriting’ Mean?

PMI with MHD underwriting is only available for Group Health Insurance schemes above a certain size (relating to the number of employees covered). Generally you need at least 20 scheme members, although this isn’t a concrete rule.

What does MHD underwriting mean for Medical Insurance?

It means that when your insurer assesses the risk of your application, they’ll ignore all of the past medical conditions group members have before the policy went live. These are known as ‘pre-existing conditions‘.

This is unique compared to other Health Insurance policies where most insurers, one way or another, will look at your medical history and use it to decide whether or not they will provide you with Health Insurance or pay a claim.

However, with MHD Underwriting, from when you take out your policy, your insurer will cover any illnesses or injuries you currently have or incur until your policy runs out.

It is important to note that not even MHD underwriting covers chronic conditions, such as asthma, diabetes, or heart disease. Instead, Private Health Insurance designed largely to provide treatment for acute – essentially ‘curable’ – conditions.

Not even medical history disregarded Health Insurance covers chronic conditions

No Private Medical Insurance cover includes the ongoing treatment and management of chronic conditions, although it may cover hospital visits and examinations leading up to the diagnosis of your condition.

You may also be covered for acute flare-ups of a chronic condition, depending on your underwriting and when you were diagnosed with said chronic condition.

 

Is Medical History Disregarded Underwriting Right for You?

As you’re looking for a Business Health Insurance Policy for your employees, you may well be eligible for MHD underwriting. As pre-existing conditions are covered by this type of Health Insurance, MHD underwriting will ensure that all of your employees get equal coverage.

Can I get medical history disregarded underwriting for PMI?

One thing to consider before you pursue a policy with MHD Underwriting is that premiums will likely be more costly than they would be for Group Health Insurance policies without MHD underwriting.

Similarly, if you were looking for Individual Health Insurance, medical history disregarded underwriting likely won’t be an option for you.

To find out more about medical history disregarded underwriting, call us today and speak to one of our Health Insurance experts.

underwriting
 
private health insurance
 
employee benefits
 
medical history disregarded
 
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 have just been given company Private Medical Insurance through work and received my policy documents...
 
My company healthcare policy includes travel and medical cover for business; I travel extensively and...
 
I’m about to apply for private health insurance but I’m not sure what the difference is between moratorium...
 
Now I am closing in on retirement I am reviewing my current situation and have come to consider private...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Dave Ashby
02/08/2018

Great! Efficient and polite service, more interested in finding the right product for you than pushing the hard sell. Would definitely recommend.

Kimberly Sysak – Director Human Resources
31/07/2018

Drewberry was very quickly able to identify our needs and present several options for Life Insurance coverage for our employees. They were extremely professional and timely in their process. Highly recommend.

Daniel Bromley
03/08/2018

Efficient and friendly service by Sam at Drewberry Insurance. Quick to respond to any queries I may have and very patient with all my questions. Would use again.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1751 Reviews
J Chandler
Overall Rating
Drewberry were very helpful and very efficient in finding the right insurance cover for me.
V Correa
Overall Rating
Jake was extremely helpful. He spent a lot of time in getting an exact understanding of my income protection needs. He kept in touch regularly as I sorted out some health issues along the way to getting the insurance I needed. His professionalism and care was exceptional. I would readily recommend Jake to anyone looking for income protection.
D Ashby
Overall Rating
Great! Efficient and polite service, more interested in finding the right product for you than pushing the hard sell. Would definitely recommend.
S Watson
Overall Rating
Friendly, helpful and informative. Promptly answers calls or replies to emails. What I wanted from an insurance broker.
K Director Human Resources
Overall Rating
Drewberry was very quickly able to identify our needs and present several options for Life Insurance coverage for our employees. They were extremely professional and timely in their process. Highly recommend.