Existing Business

Updated 24 November 2021

All new applications and amendments submitted with a 1 week deferred period will have an exclusion for Coronavirus/Covid-19, other viral and respiratory tract infections, (to include self-quarantine, of all types, and/or caring for others with these conditions) and associated conditions including post-viral fatigue and post-viral depression.

This exclusion will apply to only the first four weeks of incapacity due to COVID-19/ Coronavirus and respiratory tract infections. If the incapacity extends beyond 4 weeks then a claim for COVID-19/ Coronavirus and respiratory tract infections will be considered.

Can my client reduce their deferred period on their application which is not yet on risk?

Yes - subject to the minimum deferred period currently available being 1 week.

Can an existing Member with a Day 1 contract increase the risk on their cover?

Unfortunately, this is currently not possible.

My client’s application went on risk between 31 March 2020 and 12 April 2021, can they amend their contract to reduce their deferred period, add on My Extra Benefits or add Severe Injury Cover?

Any amendments to a live contract will follow the usual amendment process and may be subject to underwriting. Please call our Member Services Team on 0800 587 5098 to find out more.