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Access to Medical Reports Act 1988
The Access to Medical Reports Act 1988 gives the life insured proposer certain right and there will be a statement of these rights on the proposal form. The following is a typical statement,
Notice of Statutory Rights Under the Access to Medical Reports Act 1988
Access to medical reports
We may need to get medical reports to support your application. Before we can ask any doctor that you have consulted to fill in a report, we need your permission under the Access to Medical Reports Act 1988. Your rights under the act are as follows.
You do not need to give your permission, but if you do not, we may not be able to go ahead with your application. This does not prevent you from applying to other companies for insurance.
You can ask to see the report before the doctor returns it to us. If this is the case, we will tell the doctor to keep the report for 21 days so that you can arrange to see it. If you have not made arrangements to see the report within this time, your doctor will send the report to us.
If you choose not to see the report at this stage, you may ask the doctor for a copy within six months of it being sent to us. We can send a copy of the report to your doctor if you ask to see it at a later date.
If you think that any part of the report is not correct or is misleading, you may ask the doctor to amend it. If your doctor refuses to make the amendments, you may ask him or her to attack a statement outlining your views, which will then accompany the report.
Your doctor can withhold access to the report if he or she feels that it would cause physical or mental harm to you or others.
The medical report your doctor fills in asks about the following.
- Your current health.
- Any care, medication or treatment you are currently receiving.
- The results of referrals or tests you are waiting for.
- Any time off work in the last three years.
- Your past health:
- Details of any relevant illness, trauma, or referrals for specialist advice or treatment, hospital admissions, consultations with your GP or any other medical adviser, therapist or counsellor, in particular whether you have a history of:
- malignancy (cancer), cardiovascular (heart) disease, diabetes, and degenerative (gradually worsening) diseases;
- musculoskeletal disease or injury, for example, arthritis, rheumatism, back problems or any other disorder of the joints or muscles;
- anxiety, depression, neurosis (such as phobias, obsessions and so no), psychosis (a mental disorder where you lose contact with reality), stress or fatigue;
- suicidal thoughts or attempts at suicide, or
- Conditions related to drug or alcohol misuse or smoking or chewing tobacco.
- Details of any biopsies, blood tests electrocardiograms (heart tests), height, weight if measured in the last two years, tests on x-rays or other investigations.
- Any blood pressure readings in the three years.
- Any history of disease among your parents or brothers or sisters that you have told your doctor about.
We have asked your doctor not to reveal information about:
- negative tests for HIV, hepatitis B or C
- any sexually-transmitted diseases unless there could be effects on your health; or
- Predictive genetic test results unless there is a test result which shows that you have not inherited a condition your family suffers from.
The information you and your doctor provide about your health may result in us:
- refusing to provide life insurance;
- increasing life insurance premiums above standard rates; or
- Setting life insurance premiums at standard rates.
If you have any questions about your rights under the act of questions relating to the process of getting, assessing or storing medical information, please write to:
...............................................
I do not want to see the report before it is sent to the life insurance companyI do want to see the report before it is sent to the life insurance company.
- I agree to you asking any doctor I have consulted about my physical or mental health to provide information so you may assess my proposal. You may gather relevant information from other insurers about any other applications for life, critical illness, sickness, disability, accident or private insurance that have applied for. I authorise those asked to provide medical information when they see a copy of this consent form. This form allows you to gather medical reports within six months of the start of the plan, or after my death, to support any claim made on plan proceeds.
- This information can also be used to maintain management information for business analysis.
I do not want you to use the information I have supplied to let me know about other products and services you offer.
You may use the information I have supplied to let me know about other products and services you offer.
By signing this declaration I am allowing you to process my application using the information that I have given. You may also use this information to process any claim made on this life insurance policy.
I have read the declaration, important notes and Information relating to my rights under the Access to Medical Reports Act. Signed Dated
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Medical Factors