Automatic medical limits

This information is factually correct as at February 2013; however limits may be subject to change in the future.

Life Cover


Age next birthday Up to 40 41 - 45 46 - 50 51 - 55 56 - 60 61 - 64 65 +
Application and Confirmation schedule only up to £600,000 up to £500,000 up to £400,000 up to £300,000 up to £200,000 up to £100,000 up to £50,000
Nurse Screening £600,001 £500,001 £400,001 - - - -
GPR and Nurse Screening - - - £300,001 £200,001 £100,001 £50,001
Doctor Screening, HAEM and CHEM £1,000,001 £1,000,001 £1,000,001 - - - -
GPR, Doctor Screening, HAEM and CHEM £2,500,000 £2,000,000 £1,500,000 £750,001 £750,001 - -
GPR, Doctor Screening, HAEM and CHEM, MSU and PSA - - - - - £400,001 £300,001
GPR, Doctor Screening, HAEM and CHEM and ExECG £4,000,000 £3,000,000 £2,500,000 £1,250,000 £1,000,000 - -
GPR, Doctor Screening, HAEM and CHEM MSU, PSA and ExECG - - - - - £750,000 £500,000

Disability Cover for Business


Age Next Birthday Up to 40 41 - 45 46 - 50 51 - 55 56 - 60 61 - 64 65 +
Application and Confirmation schedule only up to £480,000 up to £320,000 up to £200,000 up to £150, 000 up to £100,000 up to £60,000 up to £30,000
GPR - - - £150,001 £100,001 - £30,001
Nurse Screening, HAEM and CHEM £480,001 £320,001 £160,001 - - - -
GPR, Nurse Screening, HAEM and CHEM - - - £160,001 £120,001 - -
GPR, Nurse Screening, HAEM and CHEM and PSA - - - - - £60,001 £40,001
GPR, Doctor Screening, HAEM and CHEM £600,001 £400,001 £400,001 £320,001 - - -
GPR, Doctor Screening, HAEM and CHEM and PSA - - - - £240,001 £160,001 £80,001
GPR, Doctor Screening, HAEM and CHEM and ExECG £800,000 £800,000 £800,000 £600,000 - - -
GPR, Doctor Screening, HAEM and CHEM MSU, PSA and ExECG - - - - £400,000 £320,000 £200,000

HIV limits for Life Cover and Disability Cover for Business


All ages

Life Cover   £1,000,001

Disability Cover   £500,001
 
  • 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 assuredHAEM Blood Haematology
GPR General Practitioner's reportBCH Blood Biochemistry
Nurse Screening Medical examination by a nurseMSU Microscopic Urinalysis
Doctor Screening Medical examination by a doctorPSA Prostate Specific Antigen
MER Medical Examiner's report 
ExECG Exercise Electrocardiogram