When you buy a private medical insurance policy you will be offered different types of underwriting. FMU is one of the common options and it is Full Medical Underwriting.

If you choose FMU as your preferred underwriting then you will need to provide the insurer with your medical history. This will be assessed by the underwriters who will confirm whether any exclusions will be applied to your policy.

You must provide honest and accurate information on your declaration. This will avoid any issues when it comes to making a claim.

Choosing FMU underwriting means that you will know exactly what is covered from the start of your policy.

The chronic conditions clause will still apply. This means that if you are diagnosed with a chronic condition after the start of your policy, your insurer will only cover you up to the point of diagnosis. However, they will cover you for acute flare ups of a chronic condition.

Underwriting, why you should choose it carefully!

Underwriting, why you should choose it carefully!

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….