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What is medical underwriting

what is medical underwriting

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What is Underwriting

Private medical insurance companies have 3 different types of underwriting, they are:

  • Full medical underwriting
  • Continuing Personal Medical Exclusions (CPME)
  • Moratorium

Full Medical Underwriting (FMU)

If you have fully underwritten cover, your policy does not cover medical conditions (and any medical conditions that are directly linked to them) which you have or had before the day that you take out the policy.

You will be asked to fill in a form, giving details of your medical history. If necessary, we may write to your doctor for more information. It is essential that you give all the information that you are asked for. If you don't, you may find that your claim might not be paid. If you are not sure whether or not to mention something, it is best to do so. If you have a medical condition, which is likely to come back, we will issue a policy, but that condition (and any related to it) may not be covered, either indefinitely, or for a set period of time.

Continuing Personal Medical Exclusions (CPME)

If you are transferring from a

previous insurer where you completed an application form giving your medical history (full medical underwriting, not moratorium) you will be considered for cover based on Continuing Personal Medical Exclusions(CPME). This means that, if accepted, you will join WPA with the same medical underwriting as that on your old policy and any exclusions which were present on your previous registration certificate will be transferred to your WPA certificate. You will not be covered for illness or injury which was excluded by your previous insurer, or which existed before the period of continuous insurance cover started, even if the reasons for symptoms had not been diagnosed at that time. Please check the availability of CPME with WPA or your advisor.


When you apply for a moratorium policy you will not be asked for details of your medical history. Instead, the insurer does not cover any medical conditions, which existed in the last (usually) five years. These conditions may automatically become eligible for cover, but only when you do not have symptoms, or receive treatment, medication, tests and advice (from your GP or a specialist) for that condition for a continuous period of (usually) two years, after your policy started.

Category: Insurance

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