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How do I choose the level of cover with my medical health plan?

There are usually two types of policies:

Limited health care cover – also known as underwriting moratorium. This won’t cover you for any pre-existing illnesses or any health problems you’ve had in the last five years.

However, if you suffer no symptoms, seek no medical advice and have no treatment or medication for these pre-existing conditions they can become covered again in the future. This period tends to be two years of symptoms, advice, treatment and medication free.

This tends to be the cheapest type of healthcare insurance.

Full healthcare cover – also known as full medical underwriting. In this case, you complete a medical questionnaire, and the insurer will give you a definitive answer as to what is covered before your policy begins.

Most insurers will only cover you for new conditions, and treatments that can be administered over the short term. As a result, long-term illnesses or regular care over a long period such as for a standard pregnancy or cosmetic treatments are not likely to be covered.

If you do have some specific areas of concern regarding your future health, then check with the insurer whether you will be covered for them and to what level.