Legal & General said it works in partnership with its medical providers and has implemented a number of health and safety measures when resuming personal medical examinations. This may include social distancing and full PPE that can be used by medical professionals. If we ask you to attend a medical examination, it may be a doctor or nurse. We pay for an exam we have requested. Using technology developed by its partner Square Health, British Friendly has carried out virtual medical checks, which will continue unless virtual screening is not possible. Zurich said medical screenings are typically used in a “relatively small proportion” of cases — about 6 percent — especially when large sums are charged at a younger age to pick up things like smoking and BMI. A number of insurers have announced the reintroduction of face-to-face medical exams after initially suspending them due to social distancing due to COVID-19. Your client will need to provide a phone number so that the nurse can contact her to make an appointment. When we ask you for a medical exam, it helps us assess your life insurance application and offer you a policy at the right price and on the right terms. Life insurance is usually risk-based, and the more likely you are to die during the term of the policy, the greater the chances of a cash payment. An insurer may choose to offset this risk by performing a medical exam and potentially charging higher premiums, or in some cases, it may not be able to offer at all. In general, the older you are, the higher the base premium, so it may be a good idea to purchase life insurance at a younger age.
Royal London, which does not currently offer virtual medical screenings, added that some applicants may not be willing or able to conduct an in-person examination. The medical provider will conduct a telephone conversation with the person prior to the appointment to discuss the appropriateness of an examination. If for any reason the audit cannot be completed, the case will be referred to Royal London`s underwriting team to discuss alternatives with the advisor or client. “We are aware that there will be different interests for in-person appointments, so for candidates who are suitable for remote control and are not yet familiar with the idea of an in-person meeting, we will do everything we can to accommodate this request. We are working hard with our Square Health testing partners to resume face-to-face testing wherever we can, but we recognize that it may take some time to return to pre-coronavirus levels. “Information collected during screening includes: This is a report based on a screening performed by a nurse in a convenient location for your client, such as work or home. It can be claimed either as part of the guaranteed pension amount or because of your client`s medical disclosures. A specially trained nurse or underwriter will contact your client to discuss a medical condition they have identified on the application form or their general health for seniors` safety purposes. If it is not possible to arrange medical examinations for nurses, or if clients feel uncomfortable keeping their personal appointments, Aegon will consider other medical evidence such as a GPR. Some providers will continue to offer virtual medical exams when in-person appointments are not possible.
Below are details on those who have confirmed physical screenings and how they do so. Zurich has resumed face-to-face checks for protection policies. Prior to testing, all clients must complete a pre-appointment questionnaire to identify exposure or symptoms of COVID-19, and will also be interviewed by the nurse and booking team before showing up for an appointment, the insurer said. He added: “We are pleased to announce that following our successful pilot, we will continue to offer remote medical examinations if they are suitable for cases below non-medical limits.