Which are you?
To speak to one of our helpful advisers call:
0800 142 142
When contacting us, please quote reference, GWA DQR
Cost is understandably a key driver for any business decision, however there is much more to consider when choosing PMI than simply the bottom-line premium. Policy flexibility is important, so you don’t end up paying for things you’ll never need. It’s also worth ensuring you have the right level of cover so you’re not caught out needing treatment for something you’re not covered for.
Choosing the ideal product to spend company money on can be simpler than you may think. When you speak with one of our business advisers, they will discuss all of your company’s specific needs before advising you on the best and most cost effective policy for your business, whether you are new to private health cover or you are considering switching.
Before you make your decision, it is important to know different insurers will offer you different policy options. For instance, an insurer may not cover any previous or existing conditions. It’s always a good idea to check exactly what options you do have.
If you decide to take a policy with Norwich Union Healthcare, we offer the following types of personal medical underwriting (please note that policy terms and conditions will apply):
Full Medical Underwriting – When applying for private health cover, you disclose your medical history. Any pre-existing conditions (or any conditions related to them) are excluded from cover, unless the insurance company agrees to accept them.
Moratorium – A moratorium is where your insurer doesn’t cover any conditions which have existed in the last five years before joining. Conditions may become eligible if members don’t have symptoms, or receive treatment or medical advice for a continuous period of two years from the date of entry.
Medical History Disregarded – all members of schemes covering 20 employees or more are fully covered, regardless of any pre-existing conditions.
To speak with an adviser by phone and obtain a quote, call 0800 142 142
To arrange for an adviser to visit at a convenient time, call, 0800 015 2294
Alternatively, you can e-mail us at healthcare@
norwich-union.co.uk
Find out more about our range of products designed to fit the individual needs of your company.
Calls may be monitored and/or recorded.