What is a moratorium cover?
You may decide to apply for your plan in two ways. The first way is by providing your medical history details and the second is moratorium cover. In this case you are not required to provide any medical history but the insurance company may not cover any medical condition which has existed in the last 2-5 years. Such conditions may automatically become eligible for cover only when you do not have symptoms, or receive treatment, medication, tests or advice from your general practitioner for that condition for a period of (usually) two years after your policy has been made effective.
