Although our international employee benefits policies are purchased by businesses, we sometimes need to know a little about the employees themselves to understand their health situation and assess risk – this is known as medical underwriting. There are several options, which vary by insurance type. If we need to go through full medical underwriting, we’ll ask your employees to fill in a health questionnaire and may add exclusions or terms for certain pre-existing conditions. Moratorium underwriting does not ask employees to complete a medical questionnaire but excludes recent pre-existing conditions. We can also extend corporate policies already arranged in this way. If your employees are likely to require cover for pre-existing conditions, then medical history disregarded (MHD) underwriting may be the best fit – for this, you’ll need to insure 10 or more employees and complete an employee census.