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Medical factors
If the proposal form indicates that a medical condition exists or may exist then the underwriter may require more information. There are two methods of obtaining additional medical details the first is a general practitioners report and the second is a medical examination. Which one to select will depend on the circumstances.
General practitioners report.
The life office will ask this doctor for a report and specifically mention the medical condition they are concerned with, so that within the doctor's report this condition is specifically covered.
The doctor’s fees will be paid direct by the life office. Scales of fees are from time to time agreed between the British Medical Association and the Association of British insurers.
The doctor will be advised that the life to be insured has authorised them to contact the doctor and for the doctor to provide them with medical information.
Medical examinations.
Life offices have lists of doctors who are willing to provide this service to them. The life office will select a local doctor on their list for the life insured to contact for the examination to take place. The doctor will then complete the medical examination and report to the life office accordingly. The report will contain information obtained from the life to be insured by the doctor in a question and answer secession plus the results of the medical examination.
The life office will pay the doctors fee direct.
Processing the medical reports.
With this additional information the underwriter will be in a better position to assess the risk. If a further opinion is required the underwriter can discuss the matter with the Life Office’s Chief Medical Officer. The CMO will usually be a highly respected physician retained by the life office for this purpose. The CMO can give additional guidance to the underwriter and could in special cases conduct the medical examination himself.
Medical factors.
The underwriter will be concerned with medical factors which could influence longevity. Early childhood ailments and healed accident injuries will probably not be of much interest to the underwriter however any medical condition which could reduce life expectation will be given attention.
Examples of medical conditions which might be reviewed would be,
- Heart diseases;
- Circulatory diseases;
- Overweight;
- Digestive system diseases;
- Cancer;
- Liver diseases;
- Eye diseases;
- Tropical diseases;
- Respiratory diseases;
- Kidney diseases;
- Glandular disorders;
- Diseases of the nervous system;
- Mental disorders;
- Diabetes;
- HIV/AIDS.
If the life office wishes to see the life proposer’s medical records this is allowed under the Access to Health Records Act 1990 so long as the proposer has given their written consent.
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Genetic Testing