When you are looking to buy a private medical insurance policy, have you thought about the underwriting that is available? The type that you choose could affect the price that you pay for your policy. Comparing quotations can be confusing if there are different underwriting options used. Common UK underwriting methods are: Full medical underwriting Continued personal medical exclusions : CPME (when switching from one insurer to another) Moratorium Continued moratorium: CMORI (when switching from one insurer to another) Medical History Disregarded (for large company schemes) Full medical underwriting Before purchasing your policy, a full medical history declaration is completed….