We will ask your client to take certain medical tests depending on the amount of cover they ask for. The tables below show the tests each age group need to take. There is a key on the right hand side to explain the test names.

Note:

• paramed and medical examination GP report will include a cotinine test for all non-smokers
• the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
• where the plan payment is guaranteed, the maximum age is also reduced to 54
• the age should be age next birthday

• Up to age 30
• Age 31 - 35
• Age 36 - 40
• Age 41 - 45
• Age 46 - 50
• Age 51 - 55
• Age 56 - 60
• Age 61 - 65

Up to age 30

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £250,000
£250,001 to £500,000
£500,001 to £600,000
£600,001 to £700,000
£700,001 to £1,000,000

Ages 31 to 35

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £250,000
£250,001 to £350,000
£350,001 to £500,000
£500,001 to £700,000
£700,001 to £1,000,000

Ages 36 to 40

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £250,000
£250,001 to £300,000
£300,001 to £500,000
£500,001 to £700,000
£700,001 to £1,000,000

Ages 41 to 45

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £250,000
£250,001 to £350,000
£350,001 to £500,000
£500,001 to £700,000
£700,001 to £1,000,000

Ages 46 to 50

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £250,000
£250,001 to £300,000
£300,001 to £350,000
£350,001 to £500,000
£500,001 to £1,000,000

Ages 51 to 55

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £100,000
£100,001 to £250,000
£250,001 to £350,000
£350,001 to £500,000
£500,001 to £1,000,000

Ages 56 to 60

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £100,000
£100,001 to £250,000
£250,001 to £350,000
£350,001 to £450,000
£450,001 to £500,000
£500,001 to £1,000,000

Ages 61 to 65

Critical Illness Cover or Life or Critical Illness Cover	GPR	PMR	ME	HIV	Lipids	Bio - chem	FBC	ECG
Up to £100,000
£100,001 to £250,000
£250,001 to £350,000
£350,001 to £500,000
£500,001 to £1,000,000

Download our 'Business Protection medical underwriting limits for Critical Illness or Life or Critical Illness Cover' PDF

Size: A4 - 2 pages - 93kb

Online publication date: May 08