Full Medical Underwriting (FMU) - ThinkCare Full medical underwriting requires our subscribers to disclose their medical history in a medical questionnaire before the coverage is accepted/approved. In the event that a request for Exclusion of pre-existing conditions is made, our team of Medical Examiners will conduct a thorough analysis of medical records. Our plans are FMU for individual/Family and the entry plans on the corporate plans.

Medical History Disregarded (MHD) - Our ThinkCare plans are offered under the Medical History Disregarded for our corporate plans and this implies that we generally waive pre-existing conditions of one or more insured members of a group plan.If you own a business with 10 or more employees then you could opt for Medical History Disregarded underwriting. If you choose this underwriting type, your policy will cover pre-existing medical conditions.

Continuous Transfer Term (CTT) - It is possible for group holders of an existing plan to change their provider without necessarily affecting the existing benefits of their old/existing plan. At ThinkCare we underwrite such plans as Continuous Transferred plans also known as CTT underwriting. What this implies is that, we may be able to offer your group the same plans without asking for full details of your medical history and cover can continue. However, for any new Benefits the waiting period will apply.

Think InsurTech Healthcare Insurance - Our commitment is to primarily serve you with our services through a digitally mastered suite of healthcare insurance plans and with our wealth of experience (over 25 years) in the IPMI industry, we will ensure you get the best in class advice on your medicals and those of your dependents/employees.