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.

With a range of flexible plans to choose from, we make it our mission to ensure your health is never compromised. We take immense pride in our professionalism and unwavering commitment to excellence, relentlessly seeking ways to improve our offerings and deliver the best medical insurance for you.

Our core values of integrity, honesty, and fair customer treatment underpin everything we do.

Medical Insurance Underwriting

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

Full Medical Underwriting (FMU)

If you opt for Full Medical Underwriting (FMU) for your medical insurance, you will need to disclose your medical history during the application process and possibly undergo health tests. With this option, the insurer may exclude or attach extra premiums to conditions you`ve experienced in the past.

Moratorium Medical Insurance

With moratorium underwriting for our medical insurance, you won`t have to reveal your medical history or lifestyle habits, nor will you need to undergo a medical screening. This type of policy automatically excludes any conditions you may have experienced in previous years. After holding the policy for two years without requiring additional treatment or consultations, you may include any existing medical conditions.

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.

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