Hi everybody, I am back with a chat about GP reports and the way they are used to support protection insurance applications. Insurers do try their best to avoid GP reports wherever possible, they are costly, delay the start of policies and the ability to offer terms after the report are actually quite low. They also don’t want to put extra pressure on the NHS.

This means that insurers only go for GP reports when they absolutely need to see clear records of something on a person’s medical history. If someone has their full medical records, or specific specialist letters, insurers will try to use these to underwrite an application and get the cover in place as soon as possible.

The key takeaways:

• The pros and cons of paper vs electronic GP reports
• GP reports can have an errors in them and it’s essential that these are corrected not just for the insurance application, but for their own health data
• Splitting insurance over multiple policies instead of one, can mean that GP reports aren’t needed

Next time I will be going through different life milestones and how they can trigger conversations about protection insurance.

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