International private medical (PMI) insurer InterGlobal is introducing a Full Medical Underwriting option to its award winning UltraCare range of individual international PMI plans.  Full Medical Underwriting^1. (FMU), which is being piloted with a selection of international brokers, will enable many people to obtain immediate cover for pre-existing medical conditions.

The FMU option, which complements InterGlobal’s existing moratorium underwriting^2., is designed to offer members with pre-existing medical conditions complete certainty on their cover.  It has been introduced in response to demand from individuals and their advisers.  Under the option, after assessment of medical records, members with pre-existing conditions will either be covered in full at the outset for an agreed premium, or the condition will be permanently excluded from cover.

The UltraCare range offers four plans ranging from in-patient medical treatment only, right through to a full refund for most in-and out-patient medical treatment.  All InterGlobal’s plans offer access to 24/7 security advice service provided in partnership with global security specialists red24.

Paul Weigall, Head of Sales, InterGlobal says:

“Many expats and international travellers have some existing medical conditions in their records that they would like to be immediately covered by their private medical insurance plan.  By choosing the full medical underwriting option we will be able to assess their medical history in full and will be able to decide immediately whether to cover their pre-existing conditions at an agreed premium – or whether to exclude that particular condition from cover.

Our preference is to offer full cover whenever possible and FMU means we can cover conditions which may be excluded using moratorium underwriting.  Take for example a member with a recent history of diabetes; by assessing their medical records in full, we will usually be able to offer immediate full cover – in comparison, under a moratorium scheme any reoccurrences of diabetes would not be covered within the first two years of cover, and might mean the condition is never covered

This recognises that one size does not fit all.  For people with a good recent medical history, moratorium underwriting is the quick, easy and straightforward way to apply for cover, but for people with more complicated medical histories, full medical underwriting provides them with complete clarity of cover on day one.”

The new UltraCare FMU option is being piloted through a selection of international brokers and intermediaries.  Individuals can contact InterGlobal for details of their nearest participating intermediary.

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For further information please contact:

Kerry-Ann Turvey, InterGlobal                                            

  +44(0) 1252 745 950

kerry-ann.turvey@interglobalpmi.com

Mike Lord, Lord Public Relations                                         

 +44(0) 7831 401 311

lord.mike@btinternet.com

Notes to editors:

1. Full Medical Underwriting requires applicants to provide full details of their medical history and allows InterGlobal to seek further information from their doctor. Depending on the assessment of medical records, pre-existing conditions that occurred prior to the commencement of cover will either be covered in return for an increased premium, or for more severe conditions may be excluded from cover.

2. Moratorium Underwriting removes the need for applicants to provide evidence of their medical history.  Any pre-existing condition suffered in the previous two years will be covered after a further two years of continuous cover providing there has been no reoccurrence of the condition.  Any reoccurrence during the two year moratorium period means the condition will continue to be excluded from cover.