MorganAsh managing dir-ector Andrew Gething has criticised the procedure of submitting medical records to insurers for protection applications to avoid non-disclosure and says the records are often incomplete.
Gething says: “GP records are not the gold standard we once thought. They are incomplete. People now visit other health profess-ional, occupational ther-apies and have tests in pharmacies and private practices away from the GP, hence, the information is not the 100 per cent perceived. The truth is that the quality of information is diminishing.”
But Anand Associates financial architect James Brooke, who has been submitting medical records with applications for the past two years, says specialists’ records should be submitted to insurers as well as GP records.
He says medical specialists either route correspondence to clients through their GP or at least copy the GP into any correspondence so any information will, in most cases, end up on the GP records. To be certain, he submits these records as well.
He says: “I do not just want GPs records. I encourage clients to retrieve medical records from every special-ist they have seen. It is in the applicant’s interest to make sure trhyat they submit everything if they are concerned about their claim being declined due to non-disclosure and, in my experience, they will make every effort to.”