Your employees will be asked about their medical history. Based on this assessment, the provider might need to exclude some pre-existing conditions from their cover. Yet, this will always be communicated with clarity and detail upfront, so they will always know what's covered and what's not.

In this case, the provider won't require any prior assessment of your employees' medical history. However, whenever they make a claim, they might be asked further questions and only then the provider will confirm whether they are covered for that claim or not.

This underwriting suits people who have no previous medical history or medical conditions. Nonetheless, this type of underwriting may not suit those who do, as pre-existing medical conditions may not be covered or waiting periods to have this condition covered may apply.

This is only an option if you've already got a company health insurance plan with another provider than Vitality. It allows your employees to switch health insurance plans while maintaining continuity of coverage, with continued restrictions on coverage for pre-existing medical conditions or treatments.

This is an option if you've already got a company health insurance plan with another provider than Vitality, where you've opted for this same underwriting method. Or, if your company is currently uninsured and has a minimum of 20 employees to be covered.

Your employees' pre-existing medical conditions or past medical treatments are not considered in the underwriting process. Nonetheless, this option may still have coverage limits, exclusions, or waiting periods for certain treatments, procedures, or medical conditions.