I've recently applied for vivacity insurance in Ontario, Canada (which is where on earth I reside) for both my wife & myself. The insurance application has taken a short time over a month and we still haven't finalized the application (it's still outstanding). I called the insurance broker & he advise that the insurance company had sent my inherited practitioner an Attending Physicians Statement (APS), and that until they receive this APS they could not proceed. I called my domestic practitioner to follow up to see what the delay be, but they advised they basically mailed it out to the insurance company. Apparently they (the insurance company) just needed an APS for myself, and not my wife. My question is this; What exactly is an APS? I enjoy an idea; possibly a release of adjectives of the details of my medical record/s up to this date for full disclosure. But what kinda threw me off is why they just needed it for me. Anyways, what is an APS, and why did they only require one for me?
Answers: You are correct contained by what it is. It is a copy of your primary care physicians accounts concerning your health. They are checking for pre-existing conditions. It may be because of the amount of coverage you requested or it may be because you indicated a condition (because of medication you might be taking or answers to the strength questions) and they want more information. It is a common practice beside insurance companies.
Deep5223 is correct.
As to why they only needed it for you, it depends on your Age and the Amount of Insurance you are applying for. APS is roughly required for policies with larger obverse amounts (eg: $2M+).
As for the length of time, the Ontario College of Physician dicates that the Dr. must complete the report surrounded by 60 days or less of unloading the request. You can try to put some pressure on the Dr. if they are slow or you did not apply for Temporary Insurance during the Underwriting process.
You'll have to ask these question of the insurance company, since they are the only ones who know why they considered necessary a statement from your doctor. Your doctor, having jam-packed out the form, should be able to provide you beside a copy of it. Since of course he kept a copy for his own history, see if his staff will send you a copy or if you can step to the office to look at it. It's going on for you, so it is very much your business.
I would only call the insurance company, communicate them you're confused, and ask them to explain.
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Answers: You are correct contained by what it is. It is a copy of your primary care physicians accounts concerning your health. They are checking for pre-existing conditions. It may be because of the amount of coverage you requested or it may be because you indicated a condition (because of medication you might be taking or answers to the strength questions) and they want more information. It is a common practice beside insurance companies.
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Deep5223 is correct.
As to why they only needed it for you, it depends on your Age and the Amount of Insurance you are applying for. APS is roughly required for policies with larger obverse amounts (eg: $2M+).
As for the length of time, the Ontario College of Physician dicates that the Dr. must complete the report surrounded by 60 days or less of unloading the request. You can try to put some pressure on the Dr. if they are slow or you did not apply for Temporary Insurance during the Underwriting process.
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You'll have to ask these question of the insurance company, since they are the only ones who know why they considered necessary a statement from your doctor. Your doctor, having jam-packed out the form, should be able to provide you beside a copy of it. Since of course he kept a copy for his own history, see if his staff will send you a copy or if you can step to the office to look at it. It's going on for you, so it is very much your business.
I would only call the insurance company, communicate them you're confused, and ask them to explain.
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