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Underwriting this policy

When you’re looking after your employees you probably don’t want to spend valuable time filling out forms or going through time-consuming underwriting processes. This is why we do everything we can to minimise disruption to your business, such as offering a free cover limit for up to £120,000. Under this level, there's no need for individual medical underwriting and, if selected, we’ll take a 'once only' approach. In the majority of cases, future increases in benefit won't be subject to further underwriting.

If your policy cover levels do need to be higher than £120,000 then we’ll try to make the underwriting process as stress-free and as quick as possible:

  • Efficiency. We use specialist staff trained in communication skills and equipped with medical knowledge to capture essential information in telephone interviews. By using the Teleinterview technique, employees don't have to complete any complicated forms, which helps puts them at ease.
  • Simplicity. If your employees prefer not to have a Teleinterview we can use a medical declaration to capture information about their work, health, lifestyle and medical history; which helps us to make medical underwriting decisions faster.
  • Accountability. We provide a prompt, clear and accountable underwriting service, which is designed so that it creates minimum disruption for your business.
  • Practicality. We’ll give your employees cover from day one and we will provide up to 90 days temporary cover during the underwriting process, excluding pre-existing conditions.

WC01788 02/2015

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