Underwriting Terms

When choosing private medical insurance it is important to understand the different forms of underwriting available and how they may affect your plan.

Here we explain the different forms of underwriting available to you as an InterGlobal policy holder.

24 month moratorium

Moratorium means a waiting period of twenty-four (24) months from the date of joining, or the date specified on the special terms section of the insured person’s Certificate of Insurance, that must have elapsed before claims for pre-existing conditions may be eligible under the plan.

Continuation of Previous Medical Exclusions (CPME)

Means upon transfer from another insurer we will offer to continue the same underwriting exclusions terms or moratorium that applied previously to the transferring insured person (if applicable). We shall not require the transferring insured person to be subject to any new personal underwriting exclusion terms nor apply any new moratorium.

Medical History Disregarded (MHD)

Means no special underwriting terms shall apply and no exclusion from cover will exist for eligible medical conditions that are known to have been in existence prior to the date of joining.

Medical History Disregarded underwriting terms are available depending on the size and location of the group.

MHD is not available on individual and family plans.