Why is it so hard for me to get income protection insurance?

kingstreet

This extract comes from the joint BMA/ABI guide to the Access To Medical Reports Act and gives some guidance to how such issues are to be handled;-

Insurance companies must provide written reasons for any higher than standard premium, rejection of an application, exclusion, rejection of a claim or cancellation of a policy to applicants or insured people, on request. They must not ask applicants’ doctors to explain their actuarial and underwriting decisions. If the company is concerned that the applicant is not aware of a health condition that has influenced the underwriting, or if it believes that further care or treatment may be beneficial, a medical officer of the company should discuss the best way to proceed with the applicant’s GP promptly. Any health concerns that the insurance company has brought to the attention of the GP should be discussed (if the GP felt necessary) in a normal NHS consultation.

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