Life insurance brokerage Risk Assured says insurers are using a data protection loophole to get full medical records at reduced prices because the quality of GP medical reports are poor.
The Association of British Insurers and the British Medical Association formed an agreement in March 2010 that set the fee for insurers to get GP medical reports at £97. The agreement expired on March 31 and was not renewed.
Under the data protection act, people can access their full medical records for £10 and some insurers have been requesting that customers get this information on their behalf.
Risk Assured head of underwriting and claims Jerry Brown says: “GPs only have themselves to blame. Fees have doubled in seven years, yet average turn-round times and the quality of reports have deteriorated. It is hardly surprising that insurers have looked for alternative solutions to get this information.”
An ABI spokeswoman says: “The issue of accessing medical records is a matter for individual insurers and their customers.”
The BMA declined to comment on the issue.