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Moratorium Period

Moratorium Period
  · 3 minutes read

Demystifying the Moratorium Period in Health Insurance

When delving into the intricacies of health insurance in the UK, you may encounter the term “Moratorium Period.” While it may sound a bit complex, it’s actually a crucial concept to understand when you’re considering health coverage.

In simple terms, a Moratorium Period refers to a specific waiting period before certain pre-existing medical conditions are covered by your health insurance policy. Let’s break it down to make it crystal clear.

What Is a Moratorium Period?

Imagine you’re signing up for a new health insurance policy. During the application process, the insurance provider may impose a Moratorium Period. This means that for a set period, typically two or sometimes five years, any medical condition that you’ve had or sought advice or treatment for in the past will not be covered by the insurance.

Why Does It Exist?

The purpose of a Moratorium Period is twofold:

  1. Risk Mitigation: Insurance providers use Moratorium Periods to manage their risk. By excluding coverage for pre-existing conditions for a specific time, they can protect themselves from individuals who might only purchase insurance when they know they need costly medical treatment.
  2. Simplicity: It simplifies the underwriting process. Instead of delving into an extensive medical history, the insurer can focus on current and future health concerns once the Moratorium Period has passed.

Navigating the Moratorium Period

Understanding the Moratorium Period is crucial when choosing a health insurance plan:

  1. Research Providers: Different insurance companies may have varying Moratorium Period policies. Research and compare providers to find one that aligns with your needs.
  2. Pre-existing Conditions: If you have pre-existing conditions, consider whether they’re covered after the Moratorium Period ends. Some insurers might offer coverage for these conditions once a certain period has passed without any related treatment or advice.
  3. Emergencies and New Conditions: Remember that the Moratorium Period typically doesn’t affect coverage for new medical conditions or emergencies. You’ll still be protected for unforeseen health issues.
  4. Transparency: Ensure that you fully disclose your medical history during the application process. Non-disclosure can lead to coverage disputes later.

In conclusion, a Moratorium Period is a waiting period imposed by health insurance providers before covering pre-existing medical conditions. It serves as a risk management tool and simplifies the underwriting process. When choosing a health insurance plan, carefully review the Moratorium Period policy, especially if you have pre-existing conditions, to make an informed decision about your coverage.

Tom McCabe picture

Tom McCabe

Co-founder and CEO of, a radically simple way for companies to offer health cover to their teams. International health cover, accessed with your Mo Mastercard, built on a collectively-funded Trust.

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