| |
Type |
| 1 |
Ensure full disclosure on application form and any other questionnaires |
| Avoid vague references to Residency, Hazardous Pursuits and Medical Conditions. Give specific details including any dates, final diagnosis, test results and treatment
|
| 2 |
Medical Underwriting Technical Advice Line (MUTAL) is available to offer guidance on pre-sale underwriting queries |
| Guidance can be given on Medical conditions, Occupation, Hazardous pursuits and Residency. This enables you to manage your client’s expectations
|
| Telephone number: 0370 3333 699 |
| 3 |
Issue literature to help manage your client’s expectations |
| Such as 'What Happens After You Apply' and 'Underwriting Explained' |
| 4 |
Prompt return of medical consent forms, underwriting questionnaires, declarations of health and any other underwriting requirements |
| This enables speedier underwriting |
| 5 |
Encourage attendance of medical examinations |
| Make clear that any delay in attending the medical examination will delay the processing of the case. If an examination has
been requested, the case cannot progress without it
|
| 6 |
Ask customers to contact their General Practitioner (GP) for an update of outstanding reports |
| We aim to chase outstanding reports 21 days after issue (as per Association of British Insurers [ABI] guidelines), and ring
the GP’s surgery before the 21 days are up for updates on the outstanding reports. However, it has proven more effective for
a customer to contact the GP’s surgery rather than an insurance company
|
