Health insurance - moratorium vs full medical

[Whathefisgoingon]

Hi All

Looking at taking out a policy with Bupa for the family but I am getting lost on this part of it.

Ive quite had health anxiety so I’ve been to the doctor a lor over the last few years but never had anything diagnosed apart from anxiety and depression. For this reason, a broker recommended a full medical underwriting, however I am advised that these “previous conditions” will never be wiped off, and so that eliminates a lot of conditions I may need help with in the future. On the other hand, with moratorium it’s anything at all in the last 5 years will be wiped off after 2 - but I’m confused .

As an example, does that mean that if 2 years ago I visited the GP for a throat infection, the insurance won’t cover an endoscopy because it’s “throat related”?

Help!

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Mori underwriting is better if you want things to be covered potentially in the future.

So for the first 2 years of your policy, anything you have had treatment, investigations or diagnostics for will not be covered at all. So for example say you had LLETZ treatment for abnormal cervical cells in the last 5 years, nothing to do with that would be covered for first 2 years. If after 2 years you hadn't had any consultations, check ups or treatment, and then again had abnormal cells say 3 years after taking out your policy, it would be covered. This type of policy is designed to exclude pre existing conditions that need regular monitoring eg diabetes or something like that where you will never go a 2 year period without having some sort of medical intervention for it.

So taking depression and anxiety as per your history. If you take your policy out and have 2 years symptom, treatment and diagnostic free, then something happens you would be covered.

If not too complicated to explain as well, the 2 year period is usually a rolling one, so taking depression, if you had say counselling after you had your policy taken out the 2 years would start from the last time you had any sort of intervention, you just need a 2 year free period before anything is covered.

@Lolacat1234 thanks. I did end up going with moratorium in the end. With Bupa I believe they said it’s anything within the last 5 years.

Some things still confuse me a little, though. If I had a mole removed on my leg for biopsy 3 years ago, and now need another biopsied in a different area of my body, I’m assuming that wouldn’t be covered. Or would It?

Would more than likely be covered as it's a separate medical issue, like I mentioned before, it's to discourage claims for chronic conditions. Removal of a mole is an acute condition.