What does Moratorium underwriting mean?
Instead of filling out a health questionnaire, an automatic exclusion applies to any disease, illness or injury (whether or not diagnosed), or any related condition if: your child had symptoms of, medication or treatment for, or advice about such a disease, illness or injury within five years before joining Child Health Solutions and there has not been a clear two-year period after joining, during which your child has been free of medication for, treatment for, and advice about such a disease, illness or injury or related condition. After this clear two-year period, cover will be extended to include that disease, illness or injury, subject to terms and conditions.
