Medical Underwriting
Also known as: Health screening, Pre-existing condition assessment, Medical declaration, Health questionnaire
Medical underwriting is the insurer’s process of assessing your health conditions to decide coverage terms and pricing.
Last updated: 2 April 2026
Real-world example
You're buying travel insurance and the online form asks about pre-existing conditions. You declare your controlled asthma and type 2 diabetes. The underwriting system assesses your conditions and offers a policy with both conditions covered for an additional GBP 45. If you hadn't declared them, any claim related to breathing or blood sugar would be denied.
Why travellers need to know
Medical underwriting is the process that determines whether your pre-existing conditions are covered and at what price. Honest declaration is non-negotiable: undeclared conditions void claims even if the incident seems unrelated (insurers can access medical records during claim investigation). The underwriting process is automated for most standard conditions and takes minutes. Specialist insurers exist for complex or multiple conditions.
Frequently asked questions
How Nomedic helps
Your Nomedic record gives you a complete list of your conditions, medications, and treatment dates, so your insurance declaration is accurate and nothing is missed.
Sources
Your health records, anywhere you go
Declare accurately with your full health history.
Free to start. No credit card required.