Insurance companies — whether health insurers, life insurers, or income protection providers — frequently require medical reports as part of a claim or application process. Getting these reports through NHS channels can take months. Here's a faster way.
WHAT IS AN INSURANCE MEDICAL REPORT?
An insurance medical report is a document prepared by a doctor that provides the insurer with information about your health — either for underwriting purposes (when you take out a policy) or for claims purposes (when you're making a claim).
TYPES OF INSURANCE REQUIRING MEDICAL REPORTS
● Private Medical Insurance (PMI): Health insurers like Bupa, AXA Health, Aviva, and VitalityHealth may request GP reports when you join a plan or make a claim
● Life Insurance: Underwriters may request medical reports for large policies or if you've disclosed health conditions
● Income Protection / Critical Illness: Insurers require detailed medical evidence when you make a claim
● Travel Insurance: Post-illness or accident claims may require medical documentation
WHY NHS REPORTS ARE SLOW
NHS GPs are legally allowed to take up to 21 days to complete insurance medical report requests — and many take longer. In practice, some GPs take 6-8 weeks. During this time, your insurance claim or application is on hold.
HOW DR SICK CAN HELP
Dr Sick provides private medical report services for insurance purposes, with turnaround times of 48-72 hours in most cases. We provide:
● Detailed medical letters describing your condition, treatment, and prognosis
● Responses to insurer questionnaires
● Supporting evidence for insurance claims
● Fitness to work assessments for income protection claims
WHAT WE NEED FROM YOU
To prepare an insurance medical report, we'll ask you to complete a detailed consultation covering your medical history, current conditions, and the specific information requested by your insurer.
Contact Dr Sick at drsick.co.uk for fast, thorough insurance medical reports.
