What is a customised route?

How does this personal assessment work at DH Reinsurance?

Your application will be forwarded to DH Reinsurance with your application form and your medical file. The medical acceptor of DH Reinsurance sends your medical file to one of DH Reinsurance’s medical advisors. He will assess your file and then one of three situations will arise:

• The medical advisor will immediately give an opinion based on your situation. This opinion is passed on to the acceptance department of DH Reinsurance and they issue a quote. You will then receive a quote from your provider (insurer, proxy or intermediary);
• The medical advisor issues an opinion, but due to the amount or the complexity, a second opinion is requested from a second medical advisor. After they have agreed on the opinion together, this is passed on to the acceptance department of DH Reinsurance and they issue a quotation. You will then receive a quote from your provider (insurer, proxy or intermediary);
• The medical advisor assesses your situation, but finds the risk too high to be able to give an opinion. In that case, a second and possibly a third opinion is always requested from one of the other medical advisors. The outcome may be that an opinion is issued or that the application is nevertheless rejected.

In all cases:

• The file must be complete. It is possible that our medical advisor still thinks that additional information is needed. Sometimes that means checking with your practitioner. Sometimes we request an additional investigation. In most cases, however, we can submit a statement at once;
• We accept 96% of the applications we receive. In some cases, we unfortunately have to reject the application;
• In more complex conditions, premiums can sometimes become so high that the provider to which you submit your application ultimately rejects the risk.

If you’d like to know more about our procedure and customised routes, please contact us.