Underwriting your policy: full medical declaration

This is based on your completing a health questionnaire (also called a Medical History Declaration).

With a full medical declaration you will be asked a number of questions on a health statement. These will enable us to understand your medical history (and that of any member of your family whom you wish to insure). It is important that you consider the questions carefully, for each person to be covered, and answer them fully. Our underwriters will review your details and decide the basis on which we can accept you for cover. If necessary, we may need to ask your doctor for any further information we need to help us to do this.

If you have any pre-existing conditions or symptoms, we will usually exclude them from the cover along with any conditions related to them. We will show any exclusions on the Policy Certificate you receive from us when we have processed your application. (The same process will also apply for any members of your family included in your application.)

Of course, any new medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions.

Please note: You must ensure that you provide full and accurate information in answer to the questionnaire. Failure to do so may mean that we cannot cover a claim or even that your policy is void. If you are unsure whether we would want to know about a particular condition or symptom, you should tell us about it.

What is the advantage of full medical underwriting?

Although this option involves more of your time when completing your application form, it does mean that, when you receive your policy documentation, you will know which conditions are excluded from cover.

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