Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

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

Health Insurance with Medical History Disregarded 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.

Need Help?

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2335 and growing independent client reviews rating us at 4.92 / 5.

Good interaction between client and advisor. Drew knew his brief; articulated and explained the issues clearly and answered questions fully. This all helped me clarify what I wanted and so we agreed on our action swiftly. I am a very satisfied client. Thank you.

Ronald Lofkin
25/07/2019
Compare Top 10 UK Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.