Pre Existing Conditions Archives

How private health insurance works

As the uptake in UK private health insurance is increasing, you may wonder how health insurance works? If you are new to health insurance, let us help you understand how it works in practical terms. It is important to remember that health insurance (also known as PMI) does not replace the NHS. Health insurance works alongside the NHS and the premium you pay will dictate the benefits and cover you receive. If you want to be able to have access to private treatment for everything, then you will need to buy a fully comprehensive policy. You may even need to…

Business private medical insurance

Business private medical insurance is available to companies of all sizes. Working with a specialist health insurance broker gives you a little extra peace of mind when you buy a policy for your employees. Looking after the health of your staff and not paying for benefits you will not use is key.

Medical History Disregarded Underwriting

When it comes to buying Health Insurance for your business, which underwriting can you choose? If you have a business with 15 or more employees then you could opt for Medical History Disregarded underwriting. This is also referred to as MHD. If you choose this underwriting type, your policy will cover pre-existing medical conditions. Why would you choose Medical History Disregarded Underwriting? When you buy Health Insurance as an individual or SME, MHD underwriting is not available. There are insurers who will offer this to company schemes of 15 or more main members, however it is more common in the…

What is moratorium underwriting?

Many people opt for moratorium underwriting because they do not have to fill in a complicated form at the start. Your claim will be underwritten at the time you make it and no medical history is required at inception.
On this basis the application process is a quick and simple one.

What do you value most about your health insurance?

As almost all health insurance policies are now modular, consumers and businesses can really be specific in the cover levels that they put in place. As a specialist health insurance broker, it really is good to work out with clients the benefits that they value the most.

Great peace of mind for those suffering with addiction

Addiction can arise as a result of a mental health condition. Addiction can also be the cause of a mental health condition. Each person’s circumstances are unique. When people start using drugs, alcohol or prescription medication to cope and to try and resolve physical and emotional symptoms an addiction can begin.

Leaving a company paid health insurance scheme?

If you have pre-existing conditions or have had medical treatment in the last 18 months then continuation terms may be your best option. This basically means that your insurer will move you to an individual or family policy without further underwriting.

What is a pre-existing condition?

With full medical underwriting you provide a full disclosure of your medical history and this form is sent to the insurers underwriting department for assessment. They will then show any exclusions for pre-existing conditions on your insurance certificate.

5 Questions to ask BEFORE you buy private medical insurance

When you look at buying private medical insurance for the first time there are many questions you might have. The insurance policy you buy should be specific to your own requirements as there is not a “standard” policy option. It is much better to know everything you can find out before you buy a policy. Whether you are looking at cover as an individual, family or for your business. What are the 5 questions you really should ask? Will the policy cover my pre-existing conditions? If you are a new customer buying a policy for yourself or your family there…

What benefits are on a cash plan?

A health cash plan is not a private medical insurance policy although they can be used well side by side. As an example, private medical insurance will offer cover for the high cost in-patient and day-patient surgery, hospital charges and anaesthetists costs. Health cash plans are far cheaper than private medical insurance and the benefits they offer reflect this price difference.