We are often asked why the medical screening questions we use during an Insurancewith quote are so different from other medical providers. The simple answer is we use an in-house medical screening programme called Protectif.
Protectif Medical Risk Rating is used both in our Customer Service centre and also in our online quote service. Protectif is a bespoke medical screening system that asks you relevant questions about your medical condition to let us assess your health status effectively (from a travel insurance perspective). We believe it offers one of the most thorough approaches in in the industry. Instead of erring on the side of caution and categorising all of our customers with the same condition as having the same amount of risk (and charging an excessive premium), Protectif helps us understand your unique situation — offering a more personalised assessment and, where possible, a fairer premium.
With more than 11,000 medical conditions in the database, the team behind Protectif are hugely experienced in providing customers with accurate medical risk assessments. Insurancewith and the Protectif team work with specialists and charities to understand each condition fully and update the question sets with changes in modern medicine and research so that you are asked questions which are relevant to you and your condition.
Some other benefits of the Protectif Medical Risk Rating include:
Medication First: Protectif works differently to other medical screening systems by asking for your medications first. This helps us consider all conditions, provides the Insurer’s appointed Emergency Assistance team with crucial information to help if you have an emergency during your trip and also ensures nothing is forgotten. We aim to offer you a premium that reflects your individual circumstances and the cover you choose.
Accurate Health Evaluation: The question sets we ask to allow us to understand your individual medical circumstances, including your overall stability and wellbeing, and provide a refreshing, common-sense approach to the impact your medical condition may have on travel.
Easy Process: In order to complete your medical screening ,just enter your medications and then your conditions when prompted during your quote journey. The system will guide you through each step, and if needed, help is available via Live Chat or by contacting us.
Once we have provided you with a quote, you will be sent your documentation detailing the questions asked and your answers. If there are any issues or if your medical situation changes prior to your trip, just give us a call or book a call with us, and we will be able to update these details for you.
If anything changes medically before your trip — or if you spot something incorrect — just get in touch and we will be able to update these details for you. Please be aware that if your medical information changes, it may affect your policy. This could mean:
We will always explain any changes clearly so you can understand your options and make an informed decision.
You spoke, we listened
We are always reviewing your feedback about your experiences getting a quote with Insurancewith, and our latest changes are a direct result of your feedback.
One of the things that you tell us regularly is the frustration that there is no facility in the medical screening questions to edit your answers if you have made a mistake. Therefore, we are delighted to let you know that there is now an edit button for you to use during your quote. We recognised that this has been a long time coming and we really appreciate your patience, and hope this new functionality makes our quote process a lot smoother for you.
This is just the beginning—we will keep listening, so please keep your feedback coming, both good and bad, so we can keep improving your experience with us.
