underwriting Archives

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…

Individual Health Insurance Plans in the UK

Perhaps your decision to look at individual health insurance is due to the medical history of a family member or recent medical experiences of close friends. Whatever has made you decide to consider private health insurance, it is essential that you find the right policy from the start.

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….

Business Health Insurance from The PHC

The PHC have been providing health insurance for over 20 years. If you have never heard of their brand name before then this is probably because they only sell their policies via specialist brokers.

What does psychiatric or mental health cover refer to on your private medical insurance policy?

When you buy a private medical insurance policy, mental health cover is certainly worth thinking about because we never know what the future holds. Not everyone wants to have cover for psychiatric claims but if you have close family members who suffer with mental health issues then it could be worth considering.

Understanding Health Insurance Underwriting

Depending on your medical history, you may find one method of underwriting may be more suitable for you. However, we understand that you may have certain questions you wish to ask before making this decision. This is why we are here to help guide you through the underwriting process.