PRIVATE MEDICAL INSURANCE

While most insurers exclude pre-existing conditions, many will consider extending cover for specified chronic or existing medical issues. If you’re introducing a workplace Private Medical Insurance scheme, insurers often waive these exclusions entirely. If you have pre-existing conditions to consider it’s important to speak with a specialist broker—they can help you navigate the options and find the right level of protection for your needs.

To receive an accurate quote for private medical insurance, you’ll typically need to provide the following information*:

• Your age and date of birth
• Your postcode
• Your medical history
• Your lifestyle details
• The level of cover you’re looking for
• Whether you want individual or family cover
• Your preferred excess amount
• Any current or previous private medical insurance

*Please Note: We may request additional details if required to complete our review.

You don’t always need to disclose your full medical history to get a Private Medical Insurance (PMI) quote, but it depends on the type of underwriting the insurer uses:

1. 1. Full Medical Underwriting (FMU)

• You’ll need to complete a detailed health questionnaire.
• Insurers may request a GP report or medical records.
• This gives clarity on what is and isn’t covered from the start.

2. Moratorium Underwriting

• No need to disclose medical history upfront.
• Instead, any condition you’ve had in the past 5 years is automatically excluded—but may be covered later if you remain symptom- and treatment-free for a set period (usually 2 years).

3. Medical History Disregarded (MHD)

• Common in large corporate schemes.
• No medical history is required, and pre-existing conditions are covered from day one.

At Tysers we can access a range of policy types provided by different insurers so speak to our specialist brokers who will be happy to advise you.

Typically, the following information would be required.*

Company Information

• Business name and address
• Number of employees (and whether cover is for all staff or specific groups)
• Industry sector (some sectors may affect risk and pricing)
• Desired start date for the policy

List of employees to be covered, including:

• Full names
• Dates of birth
• Gender
• Employment status (full-time/part-time)
• Level of cover for different employee groups (e.g. standard vs. enhanced for senior staff)

The required information required would depend on your Medical Underwriting Preferences

Choose from:

• Full medical underwriting (detailed health questionnaires)
• Moratorium underwriting (simpler, with exclusions for recent conditions)
• Medical history disregard (often used for larger schemes)
• Continued personal medical exclusions (for those switching from another policy)

*Please Note: We may request additional details if required to complete our review.

• Private Medical Insurance covers unexpected, often serious medical issues like surgery, cancer treatment, or specialist consultations. It’s best for fast access to private hospitals and treatment for acute conditions.
• Health Cash Plans Help with everyday healthcare costs like dental check-ups, eye tests, prescriptions, and physiotherapy. They’re best for routine care and budgeting for regular health expenses.

Additional coverage in this type of policy usually includes:

Repatriation allowing you to return to your home country for treatment if necessary.

Emergency Medical Evacuation providing transport to the nearest suitable medical facility if local care is inadequate.