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Our Private Health Insurance schemes are designed to cover new and unexpected medical conditions. For Generation schemes, we offer Moratorium underwriting as described below. Please take your time to read about the underwriting as this is important information you will need to know.
This means we do not need a medical declaration to be completed. Instead we will not cover treatment of any pre-existing condition or related conditions if you have had symptoms, even if a medical opinion has not been sought, in the 60 month period prior to the member joining the scheme. However, we may agree to cover a pre-existing condition or related condition providing the condition or any related condition does not remain present, including in remission and only if there have been no symptoms, treatment, medication, diagnostic tests or advice for such conditions during a continuous 24 month period after joining the scheme.
For more information, please call us on 0800 980 4601.