Covid-19 adviser update

27 March 2020

Earlier this week (see update from 24 March) we told you our medical partner, MSS, was no longer able to carry out face-to-face medical screening due to the Coronavirus pandemic.

For all new applications
All new applications that require a medical screening due to reaching a non-medical underwriting limit, will be postponed. Applications that fall within non-medical limits are being processed as normal. For these new applications, we’ll only accept business up to the non-medical limits.

For all applications
All applications that require a medical screening due to a medical disclosure, we will look for an alternative form of evidence, for example a questionnaire to be completed by the client or a GP Report. In some cases, an alternative form of medical evidence won’t be suitable, so those applications will be postponed.

For all pipeline applications awaiting a medical screening
Where we automatically requested a medical screening for cases exceeding our non-medical limits, once we have all other information we need, we’ll reduce the amount of cover to below the automatic non-medical limit. We’ll also be asking:

  • every applicant to complete a questionnaire to answer questions on Coronavirus illness (COVID-19); and
  • some applicants will also need to complete a declaration of health.

We may postpone an applicant with high extra mortality or a condition highly correlated with COVID-19.

This means, with immediate effect, we cannot issue any policies above our non-medical limits.

We know it’s disappointing that we won’t always be able to offer your clients the cover they need right now but we’re doing all we can to get the best outcomes for customers throughout this ever-changing situation. We’ll continue to update you of future developments.

All other applications are being processed and underwritten as normal, and of today, we’re still having GPRs returned to us and only seeing a very small slow-down from some surgeries.

There is no change to any of our policies for new or existing customers.