I can’t find my customer’s product in your Quick Quote system
We have built into our Quick Quote system all of the most popular products. If you can’t find your customer’s plan, please refer this to your Vitality Representative so we can review and see if we can offer your customer a plan with Vitality.
What happens if you don’t have matching product features in your own plans? (For example six week wait)
For some benefits on competitor plans that we don’t offer, we will offer an alternative and explain how this will impact the premium we can offer. For example, we do not offer six week wait plans, therefore we will offer a plan without six-week wait. However, we will load the competitor's renewal premium (the "adjusted premium") before applying our Switch & Save discount, this is to reflect the enhancement in cover.
What if I don’t have the membership and/or renewal terms available?
You can’t submit an application without the current membership certificate and evidence of the renewal or current premium.
What if the customer doesn’t know or have their current product details available?
We need accurate plan, cover and hospital details in order for Vitality to match benefits and then provide a quotation. Once a customer has their renewal offer from their current insurer, they should have all the information you need to obtain a quotation from Vitality.
Can group leavers from a competitors SME or Corporate plan apply using this model?
In order to apply for a Switch to Vitality, the customer must obtain a Continuation/Group leaver quote from their current Insurer. This is so that we have a plan to match against and an individual policy premium to discount against.
Do you match hospital lists ‘like for like’ when providing a quotation?
All insurers offer different hospitals on their various lists, therefore it is difficult to offer exact matches. Based on the location and current hospital list, we will confirm which hospital list we will offer while seeking to match their cover.
What happens if the outcome from the medical questions is ‘refer to underwriting’?
This means we need to know more information to reach a decision about the terms we can offer. As the broker you have two choices: you can either capture the medical information into Quick Quote yourself (a completed copy will be emailed to the customer to review and confirm correct) or send a link to the customer to complete. The Quick Quote system will direct either you or the customer collected information to our Underwriting Team for consideration.
How long will underwriting decisions take once referred?
We aim to turn around underwriting decisions in four hours from the time referred. The decision will confirm if we can accept cover, if we are proposing to add any exclusions and what discount/load against their existing renewal/current premium we will offer.
When I am ready to apply for a quote for my customer, will they still need to go through the underwriting process?
No, that’s the great thing about this process. Once we have offered terms, the underwriting has been completed. You just need to go to Quick Quote, find the quote you want to apply for, add the member and payment details, attach the membership certificate and premium details and then submit to Vitality.
Please note it is mandatory to attach the membership certificate and current/renewal premium evidence at the point of submission.
Can I vary the customer’s cover from what they already have in place?
Yes. Quick Quote will show you what cover is the closest match, however you can vary this should the customer wish to make a change. For example the current plan may not have an excess, but in moving to Vitality they want to add one. Any changes will reflect in the price quoted.
Can I send my customer different quote options?
Yes, however please note that Quick Quote will only store the last quotation against each proposal (customer) record. If your customer wishes to proceed with a quotation prior to the latest quote, you simply need to amend the quote request back to reflect the options required before starting the application process. Then send the PDF quotes in a password protected format.
Are the premiums quoted in Quick Quote confirmed or indicative?
The price shown in Quick Quote is the price your client will pay.
Can I make changes to an application once submitted?
Unfortunately, when an application has been submitted it cannot be amended. Please let the VitalityHealth Adviser Servicing Team know and they will delete the application request. You will then be able to resubmit the correct details for processing by our New Business Team.