What happens after I apply?

  

AMP
Asteron
Fidelity
ING
SouthernCross
Sovereign
TOWER
 
What happens after I apply?

As soon as you complete your online application you will receive a confirmation email from us including a PDF document outlining the cover you have applied for. We will also send you any applicable documents to return to us (you can choose to have these emailed to you for fax back, or we will arrange for them to be couriered to you - at no cost to you)

When we have received the above signed documents back from you we will submit your application to the chosen provider.


Application Outcomes
Once your application has been submitted to the insurer of your choice, there are a number of potential outcomes. These will be clearly communicated to you via email.
Policy accepted
If your policy is accepted we will send you a confirmation email to advise you. You will also receive a full policy document in the mail.
 
Futher information required
If any additional information is required the selected provider will contact you (either by phone, or through us) to gather this info.
 
Doctor's Medical Report
If you have disclosed a medical condition which the provider needs additional information regarding, they may write to your doctor (or medical practice) to gather that information.
 
Medical Appointment
If you have applied for a higher level of cover (refer to the "Will I need Medical Tests section), or your height/weight is outside of the normal range as specified by the insurer you will be required to have a blood test to be performed (This is fully paid for). This is either done by a nurse provided by the insurance provider who can visit you at a time/place convenient to you, or can be completed by your own doctor.
 
Special Acceptance
Upon completion of assessing your case, the provider you have selected may accept your cover with special terms (these can either be an increased premium, or an exclusion on a particular condition). In this case we will contact you & discuss your options. You may need to sign your acceptance of any terms offered.
 
Declined / Deferred
In some cases the provider you have selected may not be able to offer you the cover you have applied for, or may defer your application for a period of time. In this case we will be in touch with you & advise what options are available to you.



   
 
 

 


  
 
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