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Health Insurance Moratorium
A private health insurance moratorium is when you asked to fill in a form to apply for health insurance but you
do not have to give details of your personal medical history. Instead the health insurer will not cover you
for any medical condition which has existed normally within the last five years.
However, these conditions may automatically become eligible for cover , but only when you do not
have symptoms or receive treatment , medication or advice (from your specialist of GP) for that specific
condition for a continuous period of what is usually two years from the point of joining the policy.
Conditions such as chronic conditions will probably never be eligible for cover as you will require regular
or occasional treatment, medication tests, or advice for them. If your insurer offers a moratorium
explaining how their specific moratorium works then you will receive printed information explaining
this
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