Frequently Asked Questions
For emergency claims and assistance there is a 24 hour assistance helpline. For non-emergency claims and pre-authorisation the claims team is available from 9am – 5.30pm (UK time), Monday – Friday. For sales, administration and queries on your policy the opening hours are 9am – 5.30pm (UK time), Monday – Friday.
Whilst we try to ensure that our policies are as comprehensive as possible, we cannot provide cover for everything. The following is a list of the major exclusions from our policies: Pre-existing conditions (unless declared and accepted by us) – generally we do not pay for treatment for any condition that you experienced or had treatment or advice for prior to the start of your cover with us. However, we may pay for such a condition provided that you have no further treatment, advice, medication, tests or symptoms for that condition in a consecutive 2-year period immediately after the date that your cover starts with us. Chronic conditions – these are conditions that are not curable and which are generally maintained or managed by ongoing treatment or medication. Examples are asthma and diabetes. We will pay for routine maintenance and treatment of acute episodes on some levels of cover subject to it being a newly diagnosed condition which occurs after the start date of your cover with us. We will pay for cancer treatment if it is diagnosed after your start date with us. For a complete list of the exclusions to our policies please refer to the Policy wording – Exclusions section.
We have included cover for routine health checks on all but the entry level plan (after 12 months membership) as we feel prevention is just as important as treatment.
You may pay your premiums monthly, quarterly, semi-annually or annually, using credit or debit cards, or annually by bank transfer. Premiums are quoted in Sterling, Dollars and Euros to give added flexibility.
Your Morgan Price plan comes with a money back guarantee. If you are not entirely happy with your policy when you receive it, simply return the documents to us within the first 14 days and we will cancel your cover and refund your premium from inception, provided you have not made a claim.
Once we have received your proposal form and premium, we will send you by email, a confirmation, which will include your policy number and the 24 hr assistance number. Your actual documents will be emailed to you within 7 working days of receipt of the premium payment.
|FMU – Full Medical Underwriting||This means we will ask you to answer questions regarding your medical history and after full evaluation confirm if we need to apply any exclusions to your policy.|
|Moratorium||This type of cover means any pre-existing conditions that you have had symptoms, sought advice or treatment for in the five years before taking up the policy will be excluded from cover until you can remain symptom and treatment free for two years under the policy.
If you take daily medication or require regular check ups for a condition this will never be covered under a moratorium policy.
|MHD – Medical History Disregarded||This is only available on corporate schemes with more than 10 employees and means we will not ask for any medical information unless there are ongoing claims of more than $5000.|
|CPME – Continued Personal Medical Exclusions||This means we will carry across any exclusions from your previous insurance as long as there is no break in cover. We can also carry across any moratorium term already served and honour any wait periods that have already been served|
|In-patient||Treatment required when staying overnight in a hospital.|
|Day-patient||Treatment required in a hospital when an overnight stay is not required.|
|Out-patient||This is treatment received not in a hospital but in a doctor surgery or for a consultant appointment.|
|Chronic||A medical condition which has two or more of the following characteristics:
|Excess||An excess is an amount you have to pay towards any claim in a policy year. The excess is per person per annum.|
|Co-insurance||Is a percentage of the claim you have to pay.|
|Underwriting||This is how we look at a policy and decide the terms we can offer on a policy and the rating required.|
|Evacuation||This is when the treatment of a client cannot be met in a local facility and Morgan Price confirms that the client will need to be moved to the nearest medical facility that can provide the required treatment. Morgan Price has to authorise and arrange this evacuation.|