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.
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.
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.