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Information and Services

Our medical section provides access to useful information and services

What is Underwriting

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

  • Moratorium
  • Full Medical Underwriting
  • Switch


When you apply for a moratorium policy you do not need to fill in a medical history declaration, however, a request for more detailed information may be requested from your doctor or the doctor of any family member(s) for each new condition claimed for.

Benefit will not be provided for at least two years for any pre-existing medical condition(s) which you or any family member(s) have during the five years before the Policy starts, or any new symptoms/conditions that start in the first 14 days of the Policy.

Benefit for pre-existing conditions are medical condition(s) and other directly related conditions, for which treatment was received and/or medication was prescribed or professional advice was sought or where symptoms existed (whether the underlying condition has been diagnosed or not).

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.


If you currently have Private Medical Insurance you can switch to WPA in one of two ways, depending on your current underwriting:

  • If you were underwritten on a Moratorium basis with your current insurer and there has been no break in insurance when transferring from your current Policy, you may join on a Continued Moratorium basis and keep the underwriting dates of your existing moratorium. Benefit will not be provided for any pre-existing condition(s) and other directly related condition(s) which existed in the exclusion period (usually five years) of your previous insurer´s policy, unless during the symptom-free period after your previous insurer´s policy started you don´t receive medication, advice or treatment or experience symptoms of that disease, illness or injury.
  • If you have previously undergone Full Medical Underwriting and there has been no break in insurance since you were underwritten, you may join WPA on a Continued Personal Medical Exclusions (CPME) basis. With CPME terms you can carry your current personal medical exclusions across with you; you will need to answer a few questions about your medical history and we may have to apply some additional personal medical exclusions.