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Moratorium Underwriting for private medical best option of not?

pmd98052 Posts: 1 Newbie

29 January at 12:42PM in Insurance & life assurance

We are 54 and 53 with some underlying conditions (Blood Pressure, Diabetes, Some recent routine checks for prostate cancer due to age/family history (nothing found), had benign polyps removed in colonoscopy about 8 years ago and now have 5 years colonoscopy check ups most recent 3 years ago)....

What I want private medical for is cancer treatments where NHS don't offer latest chemo drugs and/or if a NHS treatment is say over "x" weeks wait.

Should I go down the moratorium route knowing that none of the above would be covered or go full under writing and try to recall all the tests/treatments from last 5 years?

I would want any cancer found in a future colonoscopy to be treated privately but I presume that is now not possible at all even though the benign polyps were years ago and when I was in the USA? I had a routine NHS colonoscopy 2.5 or so years ago with nothing found and will have another routine one in years time.

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Moratorium Underwriting for private medical best option of not?

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