Automatic medical limits

This information is factually correct as at April 2011; however limits may be subject to change in the future.

Life Cover


  Up to 40 41 - 45 46 - 50 51 - 55 56 - 60 61 - 64 65 +
Tele Interview - - - - - - -
Tele Interview and Nurse Screening - - - - - - -
Nurse Screening £600,001 £500,001 £400,001 - - - -
GPR and Nurse Screening - - - £250,001 £170,001 £100,001 £50,001
GPR, Doctor Screening, HAEM and BCH £1,000,001 £1,000,001 £1,000,001 £750,001 £750,001 - -
GPR, Doctor Screening, HAEM, BCH, MSU and PSA - - - - - £400,001 £300,001
GPR, Doctor Screening, HAEM, BCH, ECG (R and E) £2,500,000 £2,000,000 £1,500,000 £1,250,000 £1,000,000 - -
GPR, Doctor Screening, HAEM, BCH, ECG (R and E) MSU and PSA - - - - - £750,000 £500,000

Disability Cover for Business


  Up to 40 41 - 45 46 - 50 51 - 55 56 - 60 61 - 64 65 +
Tele Interview - - - - - - -
Nurse Screening, HAEM and BCH £480,001 £320,001 £160,001 - - - -
GPR - - - £120,001 £80,001 £40,001 £24,001
GPR, Nurse Screening, HAEM and BCH - - - £160,001 £120,001 - -
GPR, Nurse Screening, HAEM, BCH and PSA - - - - - £60,001 £40,001
GPR, Doctor Screening, HAEM and BCH £600,001 £400,001 £400,001 £320,001 - - -
GPR, Doctor Screening, HAEM, BCH and PSA - - - - £240,001 £160,001 £80,001
GPR, Doctor Screening, HAEM, BCH and ECG (R and E) £800,000 £800,000 £800,000 £600,000 - - -
GPR, Doctor Screening, HAEM, BCH, PSA, ECG (R and E) and PFT - - - - £400,000 £320,000 £200,000

HIV limits for Life and Disability Cover for Business


All ages £1,000,000
 
  • Automatic requirements are based on total sums assured with PruProtect.
  • Cotinine tests are performed on all non smokers at nurse/doctor screenings.

Key

Tele Interview Telephone call between underwriter and life assured ECG (E) Exercise Electrocardiogram
GPR General Practitioner's report HAEM Blood Haematology
Nurse Screening Medical examination by a nurse BCH Blood Biochemistry
Doctor Screening Medical examination by a doctor MSU Microscopic Urinalysis
MER Medical Examiner's report PSA Prostate Specific Antigen
ECG(R) Resting Electrocardiogram PFT Pulmonary Function Tests