Aggregators (TIF) - How and when do I amend the medical screening on an existing policy?

For all single & annual TIF policies (including Aggregators, Essential etc)

• We need to update any and all medical changes even if they weren't aware of it at the time of purchase. (We do not update improvements in medical health).
• Check with the customer that there are no claims being made or pending on the policy, and check with the customer that since purchasing the policy, that nothing else has changed. Otherwise, declare missing conditions etc. 
• In regards to AMT, customers are able to update their medical screening, even if a claim is being made or pending. This so they can use the policy for emergency medical cover and any further upcoming trips. Insure that you advise the customer, that if they are adding on a medical condition that they should have declared at the time of purchase and are now wishing to use the policy to claim for this missing condition, they would NOT be eligible to claim for this new condition.
• To amend an existing condition, re-ask all questions that are linked to this medical condition, to ensure that everything is correct on the medical screening.
• Add booking history!!! 
• Remember to send the customer their new documents. 

If the changes decline the policy

Should the new/amended declaration then take them over and above the accepted Verisk score and cannot be covered, or they decline to pay the additional premium to then be covered, the customer has 2 choices:

1. Cancellation claim for all pending trips
2. Cancel and pro rata refund

** Please DO NOT save the endorsement if the cover declines**

If we are able to offer cover the customer must either:

1. Pay for full cover
2. Cancel and pro rata refund*

* If an existing customer advises the premium is too high when adding a diagnosed condition onto their policy and would like to exclude cover for this condition, we could look to exclude this - please ref each case to TIF. 

Please note the email address for TIF referrals is [e-mail] please also cc [e-mail]. The response is usually provided within 24-48 hours.