When you buy a private medical insurance policy, you will be offered a choice of underwriting. Full Medical Underwriting is common in both individual and company policies. You may hear it referred to as FMU.

This type of underwriting will require you to complete a medical history application form. You will need to declare your medical history because the underwriters will need to assess your application.

You will be provided with a certificate of cover which will show any exclusions for pre-existing medical conditions. These will be determined by the information you have provided on your application form.

Full medical underwriting means that you will know what is covered on your policy from the start. Depending on your medical history however, moratorium underwriting may be a better option.

Chronic conditions and general exclusions apply regardless of which underwriting you choose to have.

The premium you pay can be affected by your underwriting choice.

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….