Moratorium underwriting explained
Under moratorium underwriting, recent conditions are usually excluded at first but may become eligible after a symptom-free period.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
Moratorium policies look back over a set period of medical history and may later cover a condition once a set symptom-free period has passed. The periods are set by each insurer and stated in the policy wording.
No detailed medical questionnaire is usually needed at the start, but medical history is checked when you claim.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: the look-back and moratorium periods used; what counts as symptoms, treatment or advice; how claims are assessed.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.