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How we gather medical evidence

To progress your client’s case, there are number of different ways we can gather medical evidence about them.

 

Tele-underwriting

If we need more information or clarification about something disclosed in your client’s application, one of our underwriters will contact them to get additional information over the phone. In most cases, a successful tele-underwriting call means we don’t have to contact your client’s doctor, speeding up the application process. We’ll assess the information provided within 24 hours.

How does it work?

  • One of our underwriters will call your client to get additional information over the phone
  • If the first call is unsuccessful we’ll try twice more within a 24 hour period
  • If we can’t contact your client by telephone we’ll write and ask them to call us on our dedicated line
  • We’ll confirming the answers given before closing the call
  • If your client agrees with the confirmation then they don’t need to take any further action
  • All calls are recorded
  • Our tele-underwriting line will be open from 9:00am to 5:30pm Monday to Friday.

GP Reports

In cases where there is a disclosure of a particularly complex medical condition, or due to the level of cover requested, we may ask for a report from your client’s GP in order to assess their health or medical condition(s) fully. We’ll do this so that we can get further insight into the client’s medical history and gather medical information that your client might not know or disclose at outset.

How does it work?

  • Before we can get a GP report, your client will be asked to sign a consent form
  • We won’t be able to proceed without a GP report, so we’ll regularly chase on your behalf.

Electronic GP Reports

Making sure your clients are covered as quickly as possible is important to us. This is why we use electronic General Practioner reports (eGPRs).

Implemented in partnership with the software provider Niche Health, the use of eGPRs means that digital medical records can be transferred much more quickly to us.

How does it work?

  • The GP practice needs to have installed the Niche Health software before they can send medical records electronically
  • Before we can get a GP report, your client will be asked to sign a consent form
  • We won’t be able to proceed without the eGPR, so we’ll regularly chase on your behalf.

Medical Screenings

In cases where an independent medical examination is required, we work with a third party medical services provider to conduct the screening

How does it work?

  • The third party provider will contact your client directly
  • They will arrange a convenient appointment, that can take place at home or place of work.

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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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