Sense checking

Terms explained

Are you in a muddle with your moratorium, or confused by ‘chronic’ conditions? You’re not the only one. Although we can’t change some of our tricky terminology, we want to explain it in better ways.

We’ve created a few videos to help you tackle some of those topics and put them into context.

*Please check your policy documents to know if these descriptions apply to you.

Chronic conditions


Why we request more information


Please refer to your membership handbook for full details of how our moratorium underwriting works.

Pre-existing conditions