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 will include a cotinine test for all non-smokers
- the maximum yearly amount of Income Cover for Sickness available is £150,000
- the age should be age next birthday
Up to age 30
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £20,000 | ||||||||
| £20,001 to £40,000 |
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| £40,001 to £60,000 |
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| £60,001 to £75,000 |
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| £75,001 to £150,000 |
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Ages 31 to 35
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £18,000 | ||||||||
| £18,001 to £36,000 |
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| £36,001 to £60,000 |
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| £60,001 to £75,000 |
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| £75,001 to £150,000 |
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Ages 36 to 40
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £18,000 | ||||||||
| £18,001 to £30,000 |
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| £30,001 to £60,000 |
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| £60,001 to £75,000 |
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| £75,001 to £150,000 |
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Ages 41 to 50
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £15,000 | ||||||||
| £15,001 to £24,000 |
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| £24,001 to £50,000 |
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| £50,001 to £70,000 |
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| £70,001 to £75,000 |
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| £75,001 to £150,000 |
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Ages 51 to 55
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £12,000 | ||||||||
| £12,001 to £18,000 |
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| £18,001 to £40,000 |
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| £40,001 to £50,000 |
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| £50,001 to £75,000 |
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| £75,001 to £150,000 |
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Ages 56 to 60
| Income Cover for Sickness |
GPR | PMR | ME | HIV | Lipids | Bio- chem |
FBC | ECG |
|---|---|---|---|---|---|---|---|---|
| Up to £6,000 | ||||||||
| £6,001 to £12,000 |
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| £12,001 to £40,000 |
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| £40,001 to £50,000 |
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| £50,001 to £75,000 |
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| £75,001 to £150,000 |
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Download our 'Business Protection medical underwriting limits for Income Cover for Sickness' PDF
Size: A4 - 2 pages - 56kb
Online publication date: Jun 09
