You have two medical underwriting options with Family Health Insurance: Moratorium Underwriting and Full Medical Underwriting.
Which one is right for you and your family members depends on your medical history.
Moratorium Underwriting (MORI)
Most choose Moratorium Underwriting. Here, your insurer excludes any medical conditions you’ve had advice, medication or treatment for in the 5 years leading up to the plan’s start date. This exclusion will typically be on a rolling moratorium basis. Your insurer will reconsider covering the pre-existing condition after you’ve spent 2 years on the policy without receiving any treatment for it
Full Medical Underwriting (FMU)
Full Medical Underwriting requires you to declare your medical history, including any pre-existing medical conditions, before you buy a policy. You’ll fill out a family medical history form. The insurer then usually excludes these. While this means you know exactly what you are and aren’t covered for from the beginning, it can be tricky to get the exclusions removed. When an insurer underwrites you on an FMU basis, it usually looks at all medical conditions, not just those which have occurred in the past 5 years, as is the case with Moratorium Underwriting.