Moratorium vs full medical underwriting — which is better?

Moratorium is the default: you fill in nothing, and any condition treated, medicated or symptomatic in the previous five years is excluded until two years symptom-free. Full Medical Underwriting (FMU) requires a full history disclosure now, with insurer decisions upfront. Moratorium is faster and simpler; FMU is safer for anyone with a chequered medical history.

• Can I switch from moratorium to FMU later? — Not in the same policy, but a new insurer will accept FMU at switch.
• Does moratorium exclude a condition forever? — No — it re-includes automatically after two continuous symptom-free, treatment-free, medication-free years.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.