We can usually cover most employees without needing personal health details. However, there are times when we need to ask employees about their health and hobbies to help us decide if we can cover them. We call our assessment of the information we receive, medical underwriting.
If medical evidence is necessary, the employee will need to complete one or more of the forms below.
We'll let you know which form to complete and when we'll need it by when we provide you with a quote.
Medical underwriting could lead to terms which may mean an additional premium being added to the underwritten amount. Occasionally, specific conditions or activities may be excluded which means a claim cannot be made for them.
Access our useful online flexible benefits guide to help you administer a policy.