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Help about: What level of underwriting is required?
When you take out healthcare, the insurer may ask the members to fill out a medical history form to confirm what their policy can and cover before they make a claim. There are different types of underwriting options which affect whether pre-existing conditions can be covered EG with full medical underwriting, a members full medical history is taken into account when deciding on what conditions the insurer may or may not be able to cover. <br><br>You may see that conditions that existed before you take out insurance are not covered with full medical underwriting.<br><br>Premiums may be lower with a full medical underwriting option, rather than medical history disregarded.