An applicant who has, or has had, a mental health condition or its symptoms, is not declined before having the opportunity to describe the history, severity and type of condition, and those circumstances are weighed in the decision. Where such a condition is disclosed the insurer considers whether cover can be given by managing the extra risk through higher premiums, exclusions, limits or caps rather than refusing cover. Alternative terms are communicated within five business days with the reasons.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.