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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

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.

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.

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.

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 on 02084327333.

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Tara Wavre
13/03/2019
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