Medical Insurance Moratorium

Compare Medical Insurance Quotes

If you are in the process of obtaining a medical insurance quote, you may be interested to know that the underwriters who review your application will usually do so in one of two ways.


When insurers write about medical insurance with moratorium underwriting, they mean that you are not required to give any details of your medical background. Instead, treatment will not be available to you if you claim for an illness that pre-existed in the past few years.


One benefit to moratorium medical insurance is that it gives those people with pre-existing medical conditions a better chance of obtaining a policy.


You do not have to disclose any medical information however, you may be asked to provide medical notes that will be used to evaluate the success of your claim.


Whatever your needs with regards to medical insurance, getting a number of quotes from different providers is an essential way of finding out what is available to you. The product comparison table below is designed to help you get this done quickly and simply.

Medical Insurance Quotes
ProviderOnline Quotes available?Special FeaturesGet Quotes
yesFast consultations – book a video consultation with a GP or specialist in minutes. Get dedicated cancer support - If you’re diagnosed with cancer, we’ll assign you a highly experienced Case Manager who’ll support you throughout your treatment and help you understand every step of the process.Get Quotes >
yesWith Comprehensive Cover No financial limits - so you'll have peace of mind that you won’t run out of funding for eligible treatment with the hospitals you’ve chosen as part of your policy and a fee assured consultant.Get Quotes >
yesSupportive care – with 24/7 telephone access to our nurses and counsellors through our medical helpline Health at Hand, we’re here for you no matter how late it is or however long it takes.Get Quotes >
yesRewards Programme Vitality Plus makes looking after your health more rewarding; the more you participate and improve your Vitality status the higher your discounts will be with Vitality reward partners, Eurostar, Mark Warner, Champneys and Cineworld.Get Quotes >

In opposition to moratorium medical insurance, a full medical underwriting procedure requires you to declare all details of your medical background. The underwriter may contact your doctor or GP for information regarding your medical history and any current conditions you have.


If you wish to learn more about moratorium medical insurance or full medical underwriting, then you may want to contact your insurance provider. Alternatively, the Association of British Insurers (ABI) website could provide you with further information and advice about medical insurance underwriting.


Thinking about medical insurance can seem like a stressful and daunting task but it could support and protect you and your family out should you suffer from an illness or an injury. Medical insurance can provide you with cover for medical care quickly and efficiently.