How does a moratorium work?
The moratorium means that when you take out a plan with Standard Life, all pre-existing conditions that you have received medical treatment for, had symptoms of, asked advice on or were aware existed in the five years before the start of your plan are excluded. These conditions could become eligible for cover if you remain free from medication, treatment and advice for two consecutive years from the start of your plan. Of course, we strongly advise you not to delay seeking medical advice or treatment for a medical condition during the moratorium period simply to obtain cover under your plan.
