Will I be asked to provide medical information?
Summary: To make sure the cover we’re offering to you is specifically tailored to your personal needs and lifestyle, we may get in touch with you via our third-party provider MSS to request information from your GP either before we offer you cover or sometimes once your cover has started. This is simply to make sure that if you needed to make a claim in the future, you would have no problems with any inaccurate information causing issues with your pay out.
Contents
Why you might be asked to provide medical information?
This is to make sure the cover we’re offering to you is specifically tailored to your personal needs and lifestyle, so we might get in touch with you via our third-party provider MSS to ask if you are happy for us to request information from your GP before we offer you cover, or sometimes once your cover has started to review the answers you have provided. We select customers randomly to do this so it’s nothing to worry about if you are contacted about this.
It’s really important you give us accurate information when applying for your life insurance policy so that you have the right cover your circumstances. We recommend you double check the information you put in your application and let us know of any mistakes before or just after your policy has started so that we can get this changed if needed. This is so that if you were to make a claim in the future, you would have no problems with any inaccurate information causing issues with your pay-out.
What medical evidence will we ask for and from who?
From you
Most of the information we need will be collected from you when you answer our questions to get a quote. We need to get to know you by asking a range of questions about yourself, your lifestyle and what you want the policy for so that we can provide you with a personalised quote. Unfortunately, without completing these questions we wouldn’t be able to offer you cover.
From your GP
To help confirm the information you provide in your application, you may be contacted to ask for permission to allow our trusted third-party MSS to ask your GP for information before we offer you cover or after your cover has started. We’ll give you more information on your rights around your medical records at this time, or feel free to ask us for details in advance if you’d like to. As we said, customers are only chosen randomly for this, so there is no need to worry if we do get in touch about this. It doesn’t mean that there is an issue with what you have provided us with, it’s to make sure your application is accurate and that you have the right cover for your needs.
Once we’ve had a look at your medical information, we’ll get in touch with you about the outcome. If we find any inaccurate information that doesn’t match your answers to the application questions, then we may void your policy. This is why we like to stress the importance of being accurate with the information you give to us from the start to avoid this and make sure we are giving you the most suitable cover.