This functionality displays a set of medical questions for the Policyholder to answer.
Select MEDICAL at the bottom of the Policyholder Details screen.
The Product and Personal Details screen will be displayed.
The following medical questions are displayed:
- Within the last 5 years have you ever been declined (not accepted) deferred or accepted with special terms by a life insurance company? (For example, you had to pay a higher premium or had an exclusion applied to your policy)
- Do you suffer from or have ever been tested positive for or ever suffered from any heart disorder, high blood pressure, chest pain, raised cholesterol, HIV, sexually transmitted diseases, cancer, growths or tumours?
- Do you currently suffer (or in the last 12 months) have suffered from any physical deficiency, medical condition or injury?
- If YES, please specify.
- How many cigarettes do you smoke per day?
For each of the Medical Questions, place a tick in the appropriate tick-box to indicate YES or NO.
If the answer to Medical Questions iii (Deficiency) or iv (Smoking) is YES, then select a value from the drop-down list.
Click SUBMIT once the data has been captured.
The Policy Decision field on the JU4HE Policy Decision Details screen will be updated to ACCEPTED if the answers to the medical questions are per the table below:
|
MEDICAL QUESTION |
ANSWER |
|
DECLINE 5 KEN |
NO |
|
DECLINE LST 5 YR |
NO |
|
PHYSICAL ISSUES |
NO |
|
MEDICLCONDEXIST |
NO or YES |
|
NUM CIGS PERDAY |
<30 PER DAY |
If the answers to the questions or combination of answer to the questions are not as per above, the Policy Decision field on the JU4HE Policy Decision Details screen will be updated to DECLINED. The system will update the value of the Membership Status field to ENDED.
(A Membership Payment Detail Record will not be created).