What is Medical History Disregarded (MHD) in the UK? 2026

What is medical history disregarded (MHD) underwriting? - Get fast access to treatments, avoid NHS waiting lists - Get access to top UK consultants and private hospitals - Get speedy diagnostics and tests - Save up to 23% by switching with us # What is medical history disregarded (MHD) underwriting? When considering health insurance for your company and its employees, how your policy is evaluated can affect costs and claims. We will explore if medical history disregarded underwriting (MHD) is the right choice for your business and its employees. MHD doesn’t consider past health issues, ensuring comprehensive cover. Unlike standard underwriting, MHD doesn’t exclude cover for eligible pre-existing conditions. It’s particularly useful if you have employees with long-term health concerns. ## Get Tailored Health Insurance Quotes from Top UK Insurers - - - - - - - A group health insurance plan lets you and your employees use private healthcare when necessary. You can adjust the policy to fit your needs. Some traditional ways of deciding who gets coverage, like Moratorium, Full Medical Underwriting (FMU), and Continued Personal Medical Exclusion (CPME), might not cover your employees’ health conditions in the five years before joining the policy. But with MHD underwriting, those exclusions don’t apply. Previous medical conditions are covered, even if they were treated recently. However, this option is only available for group private health insurance schemes with a certain number of employees, typically requiring at least 20 employees. Therefore, it’s not applicable for personal health insurance but is specifically designed for company policies. ## What does MHD underwriting cover? MHD covers pre-existing conditions without considering when they occurred. Here’s what MHD in medical health insurance includes: - Comprehensive coverage for pre-existing medical conditions. - No exclusions based on past medical history. - Conditions existing before the policy start date are covered. - Cover acute conditions. Medical history disregarded underwriting typically covers short-term and sudden conditions, known as acute conditions, like heart attacks, burns, and fractures. However, it usually doesn’t cover long-lasting and ongoing conditions, called chronic conditions, such as asthma, diabetes, and Alzheimer’s. So, while it may provide cover for sudden health issues, chronic conditions may not be included in the policy. ## What are the benefits of MHD underwriting? MHD underwriting helps you provide full health insurance to