Bupa raises protection medical underwriting limits

clock • 1 min read

Bupa has raised medical underwriting limits on its life and critical illness plans.

The new limits vary by age and medical examination required.

Younger age groups (those under 30) will only need to provide a GP report (GPR) when applying for cover in excess of £600,000, while the limits required for an exercise ECG to be requested have been increased.

For example, for a 31-35 year-old the limit has increased from £2,000,000 to £5,000,000.

And microscopic urinalysis evidence (MSU) is no longer required when underwriting life and critical illness policies.

This would mean, for example, that someone aged between 31 and 35 who applies for £500,000 of critical illness cover is no longer required to provide a GPR and only needs to attend a short medical examination (SME).

The provider expects these increases to speed up the application process for both customers and intermediaries.

Chris Pollard, chief underwriter and head of customer services at Bupa Individual Protection, said: "When providing life and critical illness cover for our customers, it is important that we are getting the right information about people's health and lifestyle while ensuring that the application process is as straightforward and quick as possible.

"By raising our medical underwriting limits we will increase the number of applications that we can accept at point-of-sale which will benefit both our customers and intermediaries."

 

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