Little T - Formerly Telemedical interviewing (TMI)

Introduction

Little T is a service we offer to allow customers to disclose details about medical conditions confidentially and to speed the issue of policies.
Our specially trained nurses and underwriters will call your client to talk about a medical condition that they have disclosed on their application form.  This will, in many cases, prevent us from having to write to your client’s doctor.

The Benefits

• Speed. Policies will be issued quicker.
• Your client can talk freely and in confidence to a nurse or underwriter that understands the nature of the medical condition and knows what information is needed to underwrite the policy without delay

How it works

We need your client to agree to us calling on their application and for you to provide a contact number for your client and the best call time.
We can call your client between 9am and 8pm, Monday to Friday. All calls are recorded and kept for future reference.

Little T is used for specific medical conditions that avoid the need for a doctor’s report. Calls are made on chosen medical conditions and take into account factors such as the product, amount of cover, and Body Mass Index (BMI). This is to ensure a successful call for the majority.

It is very important that your client has confidence in our service

Little T Top 10 Conditions

1.  Family history	6. Anxiety/Stress
2. Blood Pressure	7. Cholesterol
3. Growths	8. Abnormal Smear
4. Depression	9. Heart Murmur
5. Rheumatoid Arthritis	10. Anaemia

Please Remember:

We don’t use Little T when a doctor’s report is automatically required due to age/sum assured. We may still need to write to your client’s doctor for a report of their condition, if they do not have the information we need.

Our service pledge

It is very important that your client has confidence in our service

We will:

We won't:

Talk to your client free of insurance jargon Talk to your client as an individual, rather than follow a prescribed script Appreciate that your client is talking to us about very personal and sensitive information Encourage your client to talk to us openly and honestly Listen to what your client has to say, rather than present them with a series of questions Check a few other details while your client is on the phone, to protect them from non-disclosure Summarise the conversation during the telephone call, rather than create a paper summary for your client to check at a later date Provide a dedicated phone number for your client to use if there are any changes in their health before the issue of the policy

Confuse your client with insurance language Relentlessly follow a script Ignore your client’s feelings and the effect illness can have on people Repeat non-disclosure statements that are in application forms Bombard your client with a long list of questions Ignore other matters and hope your client has given accurate details on the application form Create a paper trail out of a phone-based service Leave your client wondering who to tell if their health changes before issue of the policy