International Underwriting Options

Freedom Worldwide offers four methods of underwriting your policy. These are detailed below:

Moratorium

Moratorium means we exclude any conditions for which you have received medication, advice or treatment or you have experienced symptoms whether the condition has been diagnosed or not in the two years before the start of your cover (pre-existing conditions).

Related conditions (those which are medically considered to be associated with a pre-existing condition) will also not be covered.

However, if you have not had any such symptoms, treatment, medication or advice for a pre-existing condition or any related condition for a continuous period of 2 (two) years after the start date of your Policy for a particular condition, the condition will become eligible for cover under this Policy. Pre-existing means any medical or related medical condition which has one or more of the following characteristics:

• was foreseeable,
  
• manifested itself,
  
• the person had signs or symptoms of,
  
• the person sought advice for,
  
• the person received treatment for, or,
  
• to the best of the person’s knowledge, was aware existed.
  

 

After a period of twenty-four (24) months continuous cover under the policy/plan, pre-existing medical conditions may become eligible for benefit, if the person concerned has not:

• experienced symptoms
  
• sought advice,
  
• the person had signs or symptoms of,
  
• required treatment, medication, or special diet,
  

 

If the person concerned has experienced any of the above, he/she will be required to wait a further twenty-four (24) months from the last date of treatment and must meet the above criteria, before being eligible to claim benefit for the pre-existing medical condition in question.

Maximum age of entry is 65.

Full Medical Underwriting

We will ask you to complete a health questionnaire when you apply for cover with us. Based on your medical history, we may apply specific exclusions to your Policy. For example, if you have a pre-existing condition that may need further treatment in the future, we may exclude it and any conditions relating to it. This will be detailed in your Certificate of Insurance.

You must disclose all your medical conditions, treatments and procedures. Non disclosure will invalidate future claims.

Maximum age of entry is 75.

Continued Personal Medical Exclusions & Continued Moratorium

If you are currently insured with another provider, we may be able to switch your cover to Freedom Worldwide on the same personal terms. This can be offered in two ways:

1. Continued Personal Medical Exclusions – If you have completed a health questionnaire with your previous insurer and have personal medical exclusions, this will be transferred to your new Policy with us.

2. Continued Moratorium – If you are currently insured on moratorium terms with your insurer, you can join Freedom Worldwide on the same continued terms.

This is subject to our acceptance terms, you must disclose previous and pending claims, Private or NHS. Please refer to the application form for full details.

Maximum age of entry is 65.

Medical History Disregarded (MHD)

We do not apply any personal medical exclusion to your Policy as a result of pre-existing conditions.

Maximum age of entry is 65.

This option is only available on our corporate plans.

 

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