Company Health Insurance with “medical history disregarded” (MHD) underwriting effectively ignores your employees’ pre-existing conditions. This means your policy treats all eligible medical conditions an employee has, regardless of when they arose.
This underwriting is unique when it comes to Health Insurance. Usually, insurers examine a policyholder’s medical history in order to calculate cover and exclude pre-existing conditions.
MHD is only available for Group Health Insurance schemes of a certain size (usually 20 employees or more). It’s not available to individuals with personal Health Insurance policies.
Even with MHD underwriting, Company Health Insurance policies only treat eligible conditions. Private Medical Insurance only treats acute conditions. Chronic conditions aren’t eligible, even with MHD underwriting.
Assuming you’ve got enough employees, MHD underwriting can offer a Business Health Insurance scheme that covers your workers’ pre-existing conditions. However, given the broader scope of coverage it’s the most expensive option to choose.
Despite this, many employers prefer to choose it to cover all eligible pre-existing conditions and ensure equality for all members under the scheme.
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