What is Moratorium Underwriting on Medical Insurance?
Moratorium is a regular form of underwriting employed by private medical insurance companies in the UK. With Moratorium underwriting there is a set period of time where you are not covered for previous medical condition(s) suffered from prior to the private medical insurance policy being taken out.The Moratorium period can last for a period between 2-5 years, depending on the underwriter. The conditions that are not qualified for treatment in the time period include, any medical conditions for which treatment, advice or medication have been necessary in the years prior the start of the plan. If any of the pre existing conditions do not recur during a 2-5 year period after the policy is taken out then the policy holder is qualified for treatment on these conditions in the future.This does not affect appropriate treatments of new conditions. Each individual is covered under a private medical insurance policy and specialist policies are available for cancer cover. Moratorium underwriting
