Risk Assessment

Pre-acceptance telephone based medical underwriting enables underwriters to apply individual terms or premium loadings linked specifically to the risk of a claim.

• Placing the emphasis on applying more equitable exclusions whilst protecting insurers against potentially expensive claims from high risk individuals
• System designed by medical experts
• Trained medical interviewers maintain rapport with customers and assist understanding of process
• Process designed around FSA "treating customer fairly" principles
• Risks based on combination of historic data and medical advice/knowledge

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