Our application process is designed to make sure that we give you the best possible terms. We do this by getting the right information at the start and with as little inconvenience to you as possible.
You can apply for membership directly after obtaining your personalised illustration here. Once you have read it alongside our dentists' income protection plan key features, then you can complete our online application form. If you would like a paper copy, please contact our member services consultants.
Alternatively, you can speak to an independent financial adviser.
Shortly after you make your online application, our appointed company, Medicals Direct, will contact you to arrange a convenient time for a confidential health and lifestyle interview over the phone.
We will also send you a letter explaining what happens next, any additional information we need and a copy of your application form. Once you have had a chance to review your form and correct any errors, you should sign and return it to us alongside any additional information we need, so that we can progress your application further.
This is a very important part of your application process. During the interview, the nurse will ask you a series of questions about your health, lifestyle, pastimes and family history. This normally takes around half an hour but could be longer, depending on your personal circumstances. We use this information to determine the best terms and conditions for your plan, so it’s a good idea to give the nurse as much information as you can. You may also find it helpful to have certain information to hand, such as details of medications and medical conditions, any test results and your height, weight, waist and clothes size.
Depending on your availability, in most cases the interview will take place within two weeks of us receiving your application form. We will also send you a summary of the interview to check.
For most straightforward applications, your cover will start shortly thereafter.
Special terms and conditions
Sometimes your personal circumstances mean that we need to know more about your medical history or lifestyle before we can decide the best terms we can offer. This could mean that we need medical evidence in the form of a report from your doctor; a copy of your medical notes; a nurse visiting you for a short examination and tests, (if we do need any of these things, then we will pay the costs of them); or we may simply need additional financial information.
We always try to offer you cover on our standard terms and conditions, and getting more information about you often helps us do this. However sometimes, despite our best efforts, we cannot offer standard terms, so here are other possible outcomes:
Exclusions/limitations: This means you may not be covered for a particular condition, either for a specified time or for the whole of your membership, or we might apply a different deferred period, retirement date or cover amount to what you asked for
Premium loading: This means we may ask you to pay a higher premium because we think you have a greater than average risk of having a particular illness or injury
Postponement: This means we could delay your application because you are either recovering from an illness or injury or are waiting for the results of medical tests or investigations
Decline: Very occasionally, we are unable to offer cover and have to decline an application for a plan
If you need Medicals Direct contact details please go to our Third party links page.
131 million days were lost due to sickness in the UK in 2013.
For further information, please read the key features of our dentists’ income protection plan and our rules.
If you have any questions, please contact our member services consultants by e-mailing firstname.lastname@example.org or calling 020 7400 5710.