Medical Insurance

Comprehensive Medical Insurances

Welcome to AKD Insurance, where we understand that your health is your greatest asset. Our commitment revolves around delivering top-notch medical insurance solutions tailored to your needs. Explore the DCare Medical Plan, crafted for individuals residing in the European Union and the European Economic Area.

At AKD Insurance, our mission is to ensure your protection and safeguard your well-being. Choose our comprehensive insurance plans to prioritize your health and secure a prosperous future. Invest in your wealth – invest in your health with AKD Insurance.

Medical Insurance Underwriting

When it comes to underwriting for medical insurance there are the below options:

Full Medical Underwriting (FMU)

If you choose Full Medical Underwriting (FMU) for your medical insurance, you will be required to disclose your medical history as part of the application process. The insurer may also require you to undergo medical examinations or provide additional medical information.

Following its assessment, the insurer may offer cover on standard terms, exclude certain pre-existing medical conditions, apply an additional premium, or impose other special terms and conditions.

Moratorium

After 2 years continuous cover, pre-existing medical conditions may become eligible for cover (unless the condition is specifically excluded by the policy) if, at the first time of receiving treatment, you/your dependant has not in that two (2) year period:

Suffered any symptoms;
Consulted any medical practitioner for check-ups/monitoring of a condition, received follow up examinations, medical treatment or advice;
Been prescribed or taken medicine, including over the counter drugs, special diets, injections or physiotherapy;
And, you were not reasonably aware the condition existed.

Medical Covers on a Continued Personal Medical Exclusions (CPME)

The same exclusions imposed by your expiring insurance policy will apply to your new insurance policy and the insurer will decide whether to impose any additional terms and conditions and/or exclusions. If your expiring insurance policy has any waiting periods for benefits, these will be carried over to your new insurance policy to the extent that they have not been completed.

Medical History Disregarded (MHD)

Only for Groups more than ten employees. Medical History Disregarded (MHD) cover, your employer must complete the Company Employer Application Form and provide a census of employees (plus Dependants if they are to be included for cover). Employees will not be asked to complete any medical questionnaires or to declare any medical history.

Get Medical Insurance Quote

{PageHint03}