With our moratorium policies, there's no need to have a medical examination or provide information about your medical history. Instead, there's a period of two years where you won't be covered for treatment of conditions (or medical conditions related to those medical conditions) you had prior to taking out the policy.

For the first two years of the policy you will not be eligible for treatment of any medical conditions you have had in the last five years. However, if these conditions do not recur during a continuous two year period after you join, you may be eligible for treatment of these conditions in the future.