VitalityHealth launches Moratorium+ on personal PMI

'More competitive for those new to health insurance'

clock • 1 min read

15% premium discount offered to customers who answer 'no' to medical declaration

VitalityHealth has today announced an extension of its moratorium offering on personal PMI plans, to include Mori+. Moratorium underwriting is one of the most common forms of underwriting and enables customers to get immediate health cover, but excludes claims for pre-existing conditions for a set period of time, usually a number of years. The new Moratorium+ that VitalityHealth is offering will allow customers to receive an extra 15% discount on their premium if they answer ‘no' to the following medical declaration: In the last three years, has your customer or any other person to...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on PMI

What do customers actually want from PMI?
PMI

What do customers actually want from PMI?

Products, regulation and the NHS

Cameron Roberts
clock 15 October 2026 • 5 min read
NHS waiting list increases to 7.33m
PMI

NHS waiting list increases to 7.33m

July 2026 data

Jaskeet Briah
clock 10 September 2026 • 2 min read
Self-pay PMI admissions hit highest level in Q1 2026
PMI

Self-pay PMI admissions hit highest level in Q1 2026

Slight decline in insured admissions

Jaskeet Briah
clock 08 September 2026 • 2 min read