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Assessing your health
Health insurance is designed to cover you for conditions that arise after your policy has started, so it's important you understand what is, and what is not covered before you join. 
There are two ways in which we can assess your application for cover; full medical underwriting or moratorium underwriting. The choice is yours. 
Full Medical Underwriting
This is based on completing a health assessment questionnaire (also called a Medical History Declaration). If you choose this option, you will be asked a number of questions about your health. These will enable us to assess your medical history (and that of any dependant whom you wish to insure). It is important that you consider the questions carefully, for each person to be covered, and answer them fully. We will review your details and decide the basis on which we can accept you for cover. If necessary, we may need to ask your doctor for any further information we need to help us to do this. If this is the case you will be liable for any additional cost associated with obtaining this. 
If you have a pre-existing condition that may need treatment in the future, we will usually exclude it from the cover along with any conditions related to it. We will show any personal exclusions on the Registration Certificate you receive from us when we have processed your application. The same process will also apply for any dependants included in your application. 
Review of Personal Exclusions
You may ask us to review a personal exclusion, this is usually after two full years of membership or sooner if indicated on your Registration Certificate. For us to consider removal of a personal exclusion we will require a medical report from your General Practitioner (GP) confirming that the condition was cured, by which we mean that you have no active signs and symptoms, and you are not requiring regular medication or medical supervision. 
There are some circumstances where we may be able to amend your underwriting terms for certain conditions, provided we are in receipt of a report stating that the condition has been stable and well controlled on medication for a period of more than 2 years. If you wish us to consider the removal of a condition, you should contact us before obtaining a report from your GP. If your GP makes a charge for issuing a medical report, this cost must be met by you. 
It is important to understand that some medical conditions may never be reviewed if they require long-term and continuous care. Of course, any new medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions. 
Moratorium Underwriting
With this option you do not need to fill in a health assessment questionnaire. Instead, we automatically exclude any pre-existing conditions for which you (and any dependant included in your application) have received treatment and/or medication, or asked advice on, or had symptoms of (whether or not diagnosed), or have any pending health screening appointments or outstanding results during the five years immediately before your Private Health Insurance cover started. 
However, if you do not have any symptoms, treatment, medication, or advice for those pre-existing conditions, and any directly related conditions, for two continuous years after your policy starts, then we will reinstate cover for those conditions. 
You should understand that long-term medical conditions, which are likely to continue to need regular or periodic treatment, medication or medical advice, will never be covered by your policy. You should not delay seeking medical advice or treatment for a pre-existing condition simply to obtain cover under your policy. 
Of course, as with Full Medical Underwriting, new medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions. 
In order to authorise treatment each time, your General Practitioner (GP) will be required to submit a copy of the referral letter so that we can confirm if the condition is new or pre-existing. This procedure is continuous throughout the life of your policy. Your GP may charge you for this service for which you and not CS Healthcare will be responsible for paying. With Moratorium Underwriting we are unable to give automatic pre-authorisation for any new claim. 
Which Option Should I Choose?
Both options have a similar outcome, they cover unexpected medical conditions arising after you join, but not pre-existing medical conditions. 
For peace of mind to those considering moving their health insurance from an existing provider we recommend you complete the full medical underwriting section of the Proposal Form in order for us to confirm if any personal exclusions will apply before you transfer to CS Healthcare. 
Switching to CS Healthcare
Moving your health insurance to CS Healthcare is easy. For more information visit our Switch page.

 
"We were really impressed by the speed of response by telephone and mail. Your representatives were very helpful and answered all questions fully. Congratulations on your excellent first impressions."
Mr R McCulloch
Civil Service Healthcare Society Limited incorporated in England and Wales.
Registered Office: Princess House, Horace Rd, Kingston upon Thames, Surrey. KT1 2SL.
FSA reg. no. 205346.