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What are the different underwriting types?

Full Medical Underwriting (FMU) requires you to provide your complete medical history – and that of all policyholders when you take out your policy. The information you provide may mean the insurer excludes certain conditions from cover for the lifetime of the policy.

Moratorium Underwriting does not require you to disclose your medical history. However, for the first two years of your policy you will not be covered for anything you’ve had symptoms, treatment, medication, diagnostic tests or advice on, in the past five years before your policy start date. If, after a two-year consecutive period you go symptom, treatment, medication or advice free from that condition, then it will become eligible for cover again. Switching your policy allows you to move from one insurance provider to another and still be covered for medical conditions that you may have had problems within the past. More on underwriting.

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Health Insurance

Health Insurance is an insurance policy which covers you for private medical treatment, should you need it. When you take out a policy, you and the insurer agree that should you fall ill or suffer an injury, the policy will attempt to return you to the same level of health you had when you took it out.

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Life Insurance

Life insurance is a policy whereby the policyholder agrees to pay regular premiums for the policy and the insurer agrees to pay a predetermined lump sum, or ongoing payments, to the chosen beneficiaries in the event of the policyholder’s death. The amount they receive depends on the level of cover you decide on and can be directed to cover specific things, such as the mortgage.

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