A refusal to offer insurance is communicated within five business days and explained in plain language: the reasons based on what was disclosed and the risk, the right to ask for the information relied on, the right to challenge incorrect or outdated information, the right to a review or to supply more information, and the complaints process. Sensitive health findings may be given to the treating doctor to explain. Requested information is supplied to the applicant or their doctor within ten business days, subject to clauses 3.13 and 3.14.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.