What is a customised route?

Customised route by medical conditions

If you have or have had a medical condition, there is a high probability that you will have problems with acceptance when applying for life insurance. It may even be that regular insurers do not want to accept you or set an excessive premium. Fortunately, there are providers who can help you via a so-called customised route. How does such a customised route work and what does it mean for you?

Choosing the right route

Do you have a medical condition or have you been ill? In that case, before you submit an application for life insurance, you should first inquire with which party it would be best to take out the insurance. If you choose an insurer, proxy or intermediary with customised routes for people with a higher medical risk, then you are much more likely to be able to take out good insurance. Have you already been rejected by another insurer? Then it is good idea to find out which parties offer customised routes. DH Reinsurance is a reinsurer and works with a number of partners to increase the insurability of people with a medical condition.

Customisation means gaining insight into your specific situation

If there is an increased medical risk, the chance that you can take out insurance via a customised route is many times greater than it is via the “normal” route. If there is customisation, your file will be personally assessed. Regular (re)insurers usually use manuals, in which the premiums for each medical condition are fixed. DH Reinsurance believes that every client is unique. By looking directly at the client’s file, we often can give a lower estimate than the one based on the manuals of the (re)insurance companies.

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.