Cigna has updated its eApp and underwriting engine to improve the application process and help customers obtain cover faster.
The firm says it has improved the way medical consents are processed through eApp including refining the scenarios where requests for medical consents are triggered.
For example, requests for medical consents will now only be triggered if a customer has been referred to underwriting due to medical reasons – and attends a general practitioner that requires signed consents.
Its eApp ‘share’ feature has been updated to allow customers to complete their medical consent before returning the application, and completion of consent at the point of application is now optional. You can read about these in more detail on Cigna’s website.
In addition, Cigna’s underwriting rules engine has been updated to reflect market developments and improve the application process.
These updates are:
- Covid-19: The majority of applicants who do not have pre-existing risk factors, have had Covid-19 with only mild symptoms more than seven days ago, and have made a full recovery, can be accepted at standard rates for all benefits.
- Travel: Applicants planning short duration travel to countries which are identified as low risk (all countries classified ‘exercise normal caution’ and countries classified ‘exercise a high degree of caution’, where this classification is only due to Covid-19 risk) on Smartraveller.gov.au can now be accepted without restriction. We continue to offer cover without restriction for holidays to Australia and the Cook Islands.
- Mental health: Applicants who disclose a history of a mental health condition will now have questions more relevant to the specific condition they have disclosed generated by our underwriting engine to improve their application experience.