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AMRAS & EGPRS

AMRAs

The Access to Medical Records Act 1988 (AMRA) gives a person the right to access their medical records for either employment or insurance purposes. This act also governs how we access your clients’ medical records.

Before we can ask for medical records or a GP report, we’ll ask your client to sign a consent form to allow us to proceed, and we’ll tell you about this during the online process.

You can find a copy of the AMRA declaration here. So that we can process the application quicker you can email the declaration to us.

 

GP Reports

Sometimes we need further medical information about a client before we can make a decision on whether we can underwrite a case. This may be due to the disclosure of a particularly complex medical condition, or the amount 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.

 

EGPRs

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

Because medical data is mostly stored online now, we’ve partnered with the software provider Niche Health to use their secure online transfer system, meaning that digital medical records can be transferred much more quickly to us. Requesting and receiving GP reports by paper takes an average of more than 30 days, with eGPRs we could reduce this timescale to around 3 days. This means we can make our decisions and offer your clients terms more quickly.

EGPRs are also a more secure way of receiving medical information and are fully compliant with AMRA legislation. The data processed is also encrypted to NHS standards.

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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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