Immediate and Deferred Care Plans

QUOTE AND APPLICATION PROCESS

Types of Quote

There are two types of quote available:

• Indicative quote (illustration) - shows the potential cost of a care plan for your client, but it isn't guaranteed. They're based on the medical information provided to us on our Illustration Request Form, so aren't binding.
• Underwritten quote - shows the precise cost of a care plan for your client as they are based on professional medical evidence. Our underwritten quotes are guaranteed for 30 days. These quotes can take more time to produce because they rely on medical evidence being provided from your client's care provider and/or General Practitioner.

Requesting an Indicative Quote

Please use this editable form to request an indicative quote. No signature is needed and the form can be completed online, then saved and emailed to ltc@wearejust.co.uk. If you have any queries, please call us on 0333 043 7040 (option 2).

We strongly recommend obtaining a fully underwritten quote for every client with a care need, as the final price may differ significantly from the indicative quote.

Requesting a Fully Underwritten Quote

To get an underwritten quote, clients need to complete a Care Fees Plan Questionnaire. The same form is used by all care plan providers, so only needs to be completed once.

Please send the completed form to Medicals Direct Group (MDG) at icp@inuvi.co.uk or by post to:

Medicals Direct

Inuvi, Unit 10

Millars Brook Business Park

Molly Millars Lane

Wokingham

RG41 2AD

Where the applicant is a legally appointed representative (such as an attorney), please also provide a full copy of the legal document (such as the Lasting Power of Attorney document).

Medicals Direct will then obtain medical reports and send them to each provider you’ve requested a quote from.

Once we’ve received the medical reports, we’ll underwrite the case and send the quotes directly to you. Our underwritten quotes are guaranteed for 30 days, giving you time to discuss with your clients whether they wish to proceed.

If a re-quote is required, we won’t normally require any further medical information for 12 months unless there’s been a change in your client's health.

Accepting Quotes

If a client wishes to proceed with purchasing our care plan, all proceeding requirements (including funds) must be received within 30 days from the date the quote is issued. Please see our standard proceeding requirements document for guidance on our requirements.

Once the policy’s set up, we‘ll issue the policy documents, cancellation notice and key features document to the client, or their legal representative, with a copy sent to you. We’ll also send confirmation of the payment details to the client’s registered care provider.*

*For Deferred Care Plans we’ll write to your client three months before the end of their deferred period to ask for details of their registered care provider. It’s at this point that we’ll require the Signed Care Provider Declaration and send confirmation of payment details to the registered care provider.