Important underwriting changes for Healthier Solutions switch policies

For application forms submitted 4 October onwards

We’ve made some changes to our underwriting philosophy for those switching to Healthier Solutions, our private medical insurance (PMI) for individuals and their families. As always, your feedback is invaluable to how we can improve our service to you and your clients.

We recognise that it’s important to respond quickly to your clients especially at a time when purchasing PMI is front of mind. These changes include:

  • We have reduced and simplified the questions required to reach a decision for disclosures relating to heart health.

  • We will no longer be asking for blood pressure and cholesterol measurements routinely.

  • The requirement to disclose raised blood pressure or raised cholesterol if treatment has changed or check-ups increased in the last 12 has been reduced to 6 months.

Our aim is to provide you with a clear indication of our underwriting stance as quickly as possible and the underwriting guide has been updated to reflect these changes. 

Download the Underwriting Guide

For further underwriting queries, we recommend that you complete the underwriting query form which should mean you will get an indication of terms more quickly.

Download the Underwriting enquiry form