We review applications in six steps: check completeness, review health information, assess risk, communicate a decision, document the outcome, and issue the policy. Decisions can be standard acceptance, acceptance with adjustments, or not accepted/postponed. You can contact our support team for more assistance or additional resources.

We review applications in six clear steps to ensure accurate and fair coverage decisions.
Step 1: Check your application details — we confirm required personal details and payment confirmations are complete.
Step 2: Review your health information — we examine declared conditions, treatments, and ongoing care.
Step 3: Assess individual risk — we compare your health information to our coverage guidelines to decide standard terms or adjusted terms.
Step 4: Communicate a decision — we tell you whether the policy is accepted as standard, accepted with adjustments, or not accepted/postponed.
Step 5: Document the decision — we record the application and rationale to ensure transparency.
Step 6: Issue the policy — after any required confirmations, we send your insurance documents and activate your policy.

We verify that all required personal information, identification, and payment confirmations are present so we can process your application without delay. If information is missing or unclear, we will request the missing items. You can contact our support team for more assistance or additional resources.

We review the medical details you provided, including past diagnoses, treatments, surgeries, ongoing medications, and current care plans. If we need more context to assess risk, we may request relevant medical records, test results, or physician statements that clarify diagnosis, treatment dates, and prognosis.

We assess how the health information aligns with our underwriting guidelines to determine the appropriate terms. That assessment may result in standard coverage, coverage with adjustments (for example higher premium, or specific exclusions), or a decision not to offer coverage at that time. We document the basis for our decision and explain it clearly.

You can expect one of three outcomes:
​Accepted as standard — your policy starts with no changes;
​Accepted with adjustments — we offer coverage but with modified terms such as higher contributions or specific exclusions;
​Not accepted or postponed — we are unable to offer coverage now due to assessed risk.
If we offer adjusted terms, you may accept or decline the offer.
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Once everything is approved and confirmed from both sides,

From that point on, you’re ready to use your insurance according to your plan.

If we request more information, please provide the specific medical documents or clarifications we list so we can finish the assessment.
If you disagree with a decision, you may request a review and submit additional supporting documents or physician letters for reconsideration.
You can contact our support team for more assistance or additional resources.