How you can apply for cover
If you would like to take out a HealthCover4life plan or would like further information on our products, please contact your financial advisor. If you do not currently have a financial advisor please contact us, for further details.
Your policy will be accepted on one of the following underwriting terms:
- moratorium
- full medical underwriting
Full information on the moratorium and full medical underwriting is contained in the leaflet “Your Guide to Applying for Cover” please click here to view this document.
- cpme (continued personal medical exclusions) switch
If you are currently insured it may be possible to transfer on a cpme (continued personal medical exclusions) switch basis to PHC. This means that we transfer your current underwriting terms across to the new PHC policy rather than applying the moratorium or full medical underwriting as described above. If you are interested in this option you will need to complete an Individual Switch Application Form containing medical history questions. On receipt of the Application we will be able to tell you whether or not we can offer you switch terms.
Please note that when you transfer from one private medical insurer to another, with no break in cover, then you are transferring to a different policy with different benefits, terms and conditions. It is only the medical exclusions that were applied by your previous insurer that will be continued under your new policy, not the previous policy benefits, terms and conditions.
For further information please contact your financial advisor.