• Introduction of e-signature process for protection processing
  • AMRA approval from client obtained electronically
  • Compliant with ABI and BMA guidance
  • 80% of consumers are happy to use; 20% prefer traditional paper method
  • 95% of GPs accept e-signatures 
  • Process reinforced by traditional manual wet-signature process
  • Turnaround times significantly improved

This is now an integral part of the MorganAsh underwriting service, and is also offered as a part of the standalone GPR collection service. 

The service conforms to the recent publication of the ABI/BMA guidance: ‘e-signature consent for obtaining information from medical records high-level principles’.

Under the Access to Medical Records Act, a consumer must consent to their GP records being passed to an insurance company. This approval process has, up until now, required a paper ‘AMRA’ form to be signed with a wet signature by the applicant. This is one of the last processes requiring a paper form and hence preventing moving to a complete electronic process.

“We have been working with a third-party e-signature provider to create a suitable and compliant process. While the technology has been available for some years, it has taken some time to integrate it with the traditional wet-signature processes, so we can be flexible on the wishes of the consumer and the GP,” commented Andrew Gething, managing director of MorganAsh.

“Understanding the wishes of each GP surgery and optimising how we communicate with them is an integral part of the rollout.”

So far, 80% of consumers accept the e-AMRA and most within seconds of submission, while 20% of consumers prefer a traditional paper process. As this becomes more commonplace, we believe this will continue to improve, but having the facility to talk to the consumer and explain the requirements and implications of the data privacy is an important part of the process.

The response rates from GP surgeries have been far better than we hoped. 95% are accepting the e-AMRA, although we have needed to talk directly with some surgeries to help them introduce this process to achieve this figure. 

“We started using this in protection and we are planning for it to be an integral part of our secondary annuity process and, going forward, wherever we require signatures. We delayed announcement until the ABI/BMA principles were announced,” commented Andrew Gething, managing director of MorganAsh.

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