William Russell adds moratorium underwriting to health cover

William Russell has introduced moratorium underwriting on all of its health insurance plans.

The international expatriate insurance specialist has simplified medical history declaration for expatriates with the introduction of moratorium underwriting on all individual expatriate health insurance plans. Many pre-existing medical conditions will become eligible for cover after two years of continuous cover.

The new international private medical insurance application form asks expatriates to declare their height and weight and give details of their current doctor. From the date cover starts members will then receive full international health insurance cover for all conditions excluding pre-existing conditions.

Pre-existing conditions become eligible for cover when the member has had a continuous two year period of cover free from symptoms, treatment or check-ups.

The moratorium underwriting will carry a 4 per cent premium and full medical underwriting is still available to clients.

William Russell sales director James Cooper says: “The biggest hassle of setting up private medical insurance is the need for customers to remember and record every single health condition and medical consultation on the application. We have dealt with this problem by completely removing the need for expats to declare their previous medical history, making the application process simple, straightforward and fast.”

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