For products currently on sale the disclosure statement is published online or on request (customers are referred to the trustee or group owner for statements the insurer did not prepare). After a new policy is bought and before cooling-off ends, the customer receives documentation covering the types of cover, the sum insured where fixed and the premium, how premiums are structured and change with age (stepped, level or single), the cooling-off period, exclusions and waiting periods, how a claim could affect other benefits, the claims and complaints processes, whether benefits follow a defined medical event, and whether they are payable on diagnosis or after further criteria. Reissued, reinstated and group policies are excluded.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.