Going on risk

It's not necessary to get a new quote if the number of eligible employees or total cover changes by 25% or less.

We can automatically include new employees for cover if they meet any quote terms for actively at work and medical evidence. 

You'll need to check if they are over the free limit. The list showing employees over the free limit, will only show those included in the employee details you gave for the quote.

We’ll use this to send important information and updates for the policy. For example, we'll write to tell you about the up-to-date employee details we need for the next annual renewal date.

The HMRC Pension Scheme Tax Reference confirms the scheme is registered, and we can treat the premiums and benefits correctly for tax purposes. We’ll ask for this reference during the application.

We also provide Excepted Group Life Policy and Mastertrust solutions for employers looking for an alternative to registered scheme cover, or who don’t want to set up and manage their own schemes.

You can start a policy before we medically underwrite an employee for benefits over the free cover limit. 

We can give up to 90 days temporary cover. Find out more about our temporary cover terms and limits in our technical guide for the relevant product.

Where we need medical evidence from an employee, they'll need to complete a Group Protection telephone interview (83kb pdf) contact sheet so we can arrange for a convenient time to contact them. 

We'll assess all the medical evidence to decide if we can offer cover and if any additional terms are appropriate. 

If we do apply additional terms, these will apply straight away and we'll write to you to explain them. If this results in an increase in the premium and your client doesn't want to pay this, you can cancel the cover the increase is for, by telling us in writing within 30 days. Unless we tell you otherwise, this additional term will not affect the cover below the free cover limit.

We can include up to twenty other participating employers under the policy. You must make sure you've included all eligible employees of the participating employers in the details you gave for the quote.

These will be available to download at the end of the policy application process. Our standard policy terms are available on request.

Premiums paid yearly:

• We'll need the first premium within 14 days of the policy start date.

Premiums paid monthly by direct debit:

• You'll need to confirm the bank details when you set up the policy.

We'll give you full details of the monthly collections when we set up the direct debit.

We'll guarantee our quote for three months. You can start a policy any time in the guarantee period. If you want to start cover after this, you'll need to get a new quote.

You can include these employees within the member data you upload, confirming the country they are based in as their work location.

ONIX will automatically identify these employees, and where necessary, refer to our scheme underwriting team to assess alongside all your requirements.

ONIX will prompt you to confirm and upload the information we need and pass it through to our expert team of scheme underwriters to assess.

You can contact your Account Manager.

Alternatively, for ONIX queries call 0345 026 0094.

Or for general queries call 0800 072 9973

Both lines are open Monday to Friday 9am to 5pm.
We may record and monitor calls. Call charges will vary.