What is a moratorium policy?
Our Policy has a 2 year moratorium on most pre-existing conditions. This means that if you do not experience symptoms or seek medical advice for a pre-existing condition within a continuous 2 year period of cover with us, the condition will likely become eligible for benefit should it recur in the future. Should however, the pre-existing condition flare-up during the 2 year period, or is such that it requires on-going maintenance, the moratorium starts anew at the point when the condition was last treated or symptoms were present. For Pre-existing Cancer and Cardiac conditions, the moratorium period is extended from 2 to 5 years however we do not class routine check-ups as active treatment, therefore should you remain all-clear after 5 years, you will have full cover.
