Medical underwriting.

• When the member’s benefit is more than the free limit.· 
• Employees who are joining outside of the scheme's normal eligibility conditions.
• If their benefit entitlement increases at a later date after providing medical evidence, we may need to ask for more depending on the amount of the increase and any special terms that already apply. 
• We may set terms and conditions that specify when medical evidence may be needed outside the normal requirements.

If we ask for medical evidence, we’ll need the following before deciding on whether cover can be provided or if there will be restrictions on how benefit can be claimed.

• Completed tele-interview. 
• Or a completed member’s declaration form.
• A completed discretionary entrant application form (if applicable).

Tele-interview. Members can take advantage of our tele-interview service, where a qualified nurse will call at a time convenient to the member to help fill in the member’s declaration form over the phone. The nurse will then fill in the member’s declaration form and send it to the member to sign before returning to us. 

Often company medical reports will give us the information we need. We can accept medical reports from examinations taken within the last two years, as long as they meet our requirements. 

We’ll consider the following when deciding if a medical examination is needed:

• The level of cover requested.
• The age of the member.
• The information supplied in the member’s declaration form.

Nurse screening. If we need a further medical examination to take place, we can offer nurse screenings at a convenient time and location, such as the member’s home or place of work.