The Benefits of Group Medical Plans with Medical History Disregarded Underwriting

The Benefits of Group Medical Plans with Medical History Disregarded Underwriting


When it comes to group medical insurance, the underwriting process plays a critical role in determining the extent of coverage provided to employees. One option for underwriting group medical plans is using Medical History Disregarded (MHD) underwriting, which disregards the pre-existing conditions of employees when determining coverage. In this article, we will discuss the benefits of group medical plans with MHD underwriting and why it may be a valuable option for employers and employees alike.

Benefits of MHD Underwriting in Group Medical Plans

Comprehensive coverage for employees: With MHD underwriting, all employees are covered regardless of their pre-existing medical conditions, ensuring that they have access to the full range of benefits offered by the group medical plan. This comprehensive coverage can lead to improved health outcomes and increased satisfaction among employees.

Simplified enrollment process: MHD underwriting streamlines the enrollment process, as employees are not required to provide detailed medical histories or undergo extensive medical examinations. This can save time and resources for both the employer and employees, making the enrollment process more efficient and less invasive.

Improved employee retention and attraction: Offering a group medical plan with MHD underwriting can be an attractive incentive for both current and prospective employees. Comprehensive coverage that includes pre-existing conditions can demonstrate an employer’s commitment to the well-being of their workforce, contributing to increased employee loyalty and helping to attract top talent.

Reduced administrative burden: MHD underwriting can reduce the administrative burden associated with managing a group medical plan. By disregarding employees’ medical histories, employers and insurance providers do not need to spend time and resources on extensive underwriting procedures or managing individual policy adjustments for pre-existing conditions.

Enhanced workplace morale and productivity: When employees know that their pre-existing conditions are covered under their group medical plan, they are more likely to seek necessary medical care, leading to better health outcomes and reduced absenteeism. This can contribute to a healthier, more productive workforce and a positive workplace environment.

Cost savings: While MHD underwriting may result in higher premiums due to the inclusion of pre-existing conditions, it can lead to cost savings in other areas. For example, streamlined enrollment procedures and reduced administrative burden can save employers time and resources. Additionally, improved employee health outcomes can result in reduced sick leave and increased productivity, potentially offsetting the higher premiums associated with MHD underwriting.

Increased flexibility: Group medical plans with MHD underwriting offer greater flexibility for employers and employees, as coverage is not restricted by individual medical histories. This allows employees to access a consistent level of care and coverage, regardless of their personal health circumstances.

Supports a diverse workforce: In today’s globalized workforce, employees may come from various backgrounds and have different healthcare needs. MHD underwriting ensures that all employees, regardless of their medical history, have access to the same level of care and coverage, promoting inclusivity and diversity in the workplace.


Group medical plans with Medical History Disregarded underwriting offer numerous benefits for both employers and employees, including comprehensive coverage, simplified enrollment, and increased flexibility. By disregarding pre-existing conditions, MHD underwriting can lead to improved employee health outcomes, enhanced workplace morale, and increased productivity. Employers considering implementing a group medical plan should carefully weigh the advantages of MHD underwriting and determine if it is the right fit for their organization and workforce.

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