What is a free Cover Limit?
A Free Cover Limit is the maximum level of cover you can have without needing medical checks.
If you choose cover above this limit, you may need to complete an underwriting process with the insurer before it can be approved.
Why am I seeing this message?
You’re seeing this message because your Benefit selection exceeds either the Free Cover Limit or your previously approved cover level. You typically see this type of message on benefits like Life Assurance benefits.
If your selection goes above the Free Cover Limit, you may see a message like:
“Your selection has exceeded the Free Cover Limit of £[AMOUNT] on the policy. If you continue with your selection, you will be required to complete a medical underwriting process with the insurer and will be contacted in due course.”
If your selection exceeds your previously approved cover level, you may see:
“Your selection has exceeded your previously approved sum assured of £[AMOUNT] on the policy. If you continue with your selection, you will be required to complete a medical underwriting process with the insurer and will be contacted in due course.”
This happens because higher levels of cover may require additional checks by the insurer.
What do I need to do?
You have a couple of options:
Proceed with your selection
- You can continue, but you may need to complete a medical underwriting process
- The insurer will contact you with next steps
Select a lower cover level
- You may see an option that matches the Free Cover Limit
- Choosing this level usually avoids the need for underwriting
What does this mean for me?
- The Free Cover Limit is the maximum level of cover you can select without needing medical checks
- The Approved Sum Assured is the level of cover you’ve previously been approved for
If you choose cover above these limits, the insurer will need more information before confirming your benefit.
Helpful tip
Selecting cover at or below the Free Cover Limit is often the quickest way to secure your benefit without delays.
If you’re unsure what option is right for you, it’s always a good idea to check with your HR or Benefits team before making your selection.