How to apply
Simply contact your broker for advice on your options available or if you wish to apply for cover.
Two types of underwriting terms* are available to you:
A moratorium sets out a waiting period for pre-existing medical conditions.
The main advantages:
Quick to set up
No medical form to complete
Cover will begin as long as you’re symptom-free, and have not needed any treatment or medical advice for a pre-existing condition for a rolling two years.
Full Medical Underwriting (FMU)
This form of underwriting is particularly beneficial for those with existing medical conditions.
Customers provide their full medical history
There may be specific surcharges applied to their cover from the outset.
* We will consider adult dependants for cover up to the day before their 76th birthday for policies with full medical underwriting, or up to the day before their 65th birthday for policies with moratorium.
If you wish to apply for one of our international healthcare plans:
Complete the Application Form OR your broker will do it for you.
Your broker will then send your application to our Underwriting Team.
We will then contact you to confirm if we can offer cover.
If accepted, we will send you a Membership Pack containing your policy documents and your invoice.
We will activate your cover. You will need to pay the premium as stated on your invoice.