Up to speed

GP reports (GPRs) form a vital part of the underwriting process for protection and health insurance. Without this supplementary medical evidence, many people with pre-existing conditions - arguably the policyholders most in need of cover - would not be accepted on risk. However, the issue of GPRs has often led to heated discussions in the past between insurers and the medical profession. Insurers have had to deal with delays and incomplete reports, slowing the underwriting process, while GPs, with their busy schedules, have found insurers demands hard to prioritise. A landmark five-year...