After many months of discussion and consultation, we are pleased to say we have finally put together a comprehensive list of Medical Exclusions and would like to publish this with the next release of our database. Although most insurers work on a case by case basis in regards to claims, we have based our rating on the policy document rather than general statements or current claims 'practice' which it is not possible for us to assess. We value each and every piece of feedback we have received and would like to share the list we have updated here - Download Medical Exclusions 2021
The list is more comprehensive and so total scores (which in exclusions result in negative scores) are higher. A reminder however, that these are still constrained by the weighting for exclusions as a whole within the product, so this does not represent any increase in the weighting for exclusions in the overall rating. There are, of course, some variations between the old approach and the new more comprehensive view. There are some weighting issues still to address. The exclusion impact for HIV is probably slightly too high given its population incidence. There is an argument that this disorder should be insurable now.
Our grateful thanks to the insurers that participated in the consultation. Adviser interested in the sub-items for the exclusions under medical should contact us directly (email for our researcher, Doreen Dutt is below) if you would like to discuss the ratings. We shall compile a list of names and see if there is sufficient interest for us to run a special feedback session. Please feel free to email through any comments to firstname.lastname@example.org as this helps to improve the accuracy and relevance of our ratings.