This section will give you our likely requirements for a variety of medical conditions. It also shows what additional information your client should include on the application to help us make a decision more quickly.
Just click on the appropriate letter and choose the condition you need more information about. We don’t have conditions for every letter, so if you can't find what you’re looking for, try looking under one of the other letters for a condition that may sound similar.
Please remember that this is a guide only. Each decision is based on the individual circumstances of the person applying for the cover, taking into account the severity of the condition, control and progress of the illness.
Wherever possible, we will quote terms. And exclusions will be offered where appropriate. We cannot guarantee standard terms.
Standard terms
The client is accepted on standard (also known as ordinary or normal) terms with no rating/loading or exclusions added to the plan. This means that they have been accepted on the terms that they initially applied for.
Non-standard terms
The client is accepted on non-standard rates. This could mean we change aspects of the terms, for example we may:
- charge an additional premium (rating)
- decline certain options that your client has applied for, such as Payment Cover for Sickness
- apply an exclusion for a certain condition or part of the body on a cover, or an element of a Critical Illness Cover
- change the definition of Total Permanent Disability or incapacity from own occupation to working tasks
- change the deferred period or occupation class because of the specific duties your client performs
- change non-smoker rates to smoker rates.
Deferred
We may choose to defer or postpone offering cover to the client for a specific or unspecified amount of time. For example if the client is having ongoing medical investigations when they are applying for cover, we may postpone offering cover until the investigations have been completed.
Declined
We are unable to offer cover at present or in the future.
