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

 
We are thinking about starting a family and I am considering all my options. If we were to take out a...
 
I am coming to the UK to study and have been told for my visa I require comprehensive sickness insurance,...
 
My private medical insurance policy has come up for renewal and my premiums have increased. Am I able...
 
I go to a private dentist for check-ups and hygienist and pay for the treatment out of my own pocket....
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Kevin Ballinger
29/11/2018

Excellent service. Well documented and prompt meetings arranged, with polite reminders. Good, clear advice and excellent product choice for me. Very pleased and highly recommended.

Kylee Kelly
22/11/2018

Jake and Jack and Drewberry were excellent and I would definitely use their services again. We purchased life insurance from them and we are now getting them to look into income protection cover for us. They are very knowledgeable and the set up was a breeze.

Priyadharshini Westphal
25/11/2018

Really personalised service. Would definitely recommend. Very helpful and not pushy. Oliver was through and lovely to speak to.

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
1920 Reviews
D Coyle
Overall Rating
Fantastic service from Egle, knowledgeable and patient about a variety of policies. Egle helped me get the best deal available and I am very satisfied with the professional service that I received from her and Jack.
S Redmond
Overall Rating
Sarah was totally professional, not at all pushy which I liked, but went over every detail to make sure I knew about the policy and to make sure it was the right policy for me. Would totally recommend Sarah. Regards Siobhan
A Allen
Overall Rating
Sarah Melvin at Drewberry helped me get a good deal on my income protection. She was very patient, helpful and professional. I feel if I had any problems I could contact her. Thank you and I would definitely recommend Drewberry.
B o'connor
Overall Rating
Very helpfully and found me the right cover that suited me and my cost of what I wanted to pay. Diffenatly use him again
G O'Grady
Overall Rating
Emma Wilson @ Drewberry was fantastic providing a simple and seemless service from quote through to contracts. Would recommend without hesitation.