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Medical Underwriting



Underwriting is the process of selecting risks for insurance in respect of a plan and classifying members according to their degrees of insurability so that the appropriate premium may be charged and the terms offered may be reviewed.


A plan may be set up with a ‘Free Cover Limit’ and the employee is covered immediately for full benefits, for a period of 90 days (excluding pre-existing conditions). ‘Free Cover Limit’ is the benefit covered without the requirement for any medical evidence.


During the 90 day period, employees with benefits above the ‘Free Cover Limit’ or where ‘Free Cover Limit’ is not available, will be required to complete a Personal History Questionnaire (PHQ). In these cases our underwriters may require further medical evidence. When underwriting is completed, the final decision is conveyed to the employer, who should then advise the employee accordingly with respect to the level of cover in place.

For more information on underwriting please download our Guide to Understanding Underwriting and/or our Underwriting Procedure’ document.



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