Underwriting your policy

All Private Medical Insurance companies who are members of the Association of British Insurers are required to provide the following information about underwriting terms using standard wording and examples.

Underwriting is the process by which an insurer decides on what terms it will accept a person for cover based on the information they supply.

With our UK plans, you have two ways of applying for cover - either the moratorium or full medical declaration.

For International plans, please see full medical declaration.

Useful links

• Moratorium
• Full medical declaration
• Examples