COMPASS Version 6.2, 6.3, 6.4 © General Re Corporation 2021 - 2026. All Rights Reserved (created: 2025-05-21 generated: 2026-07-10)

Introduction

This document contains specialities of the dynamic inquiries for occupational risks. Dynamic inquiries for medical and non-medical risks are included in another document.

Wherever the result for Disability own/any is noted as ‘standard‘, COMPASS will produce the premium class as defined in the occupation database.

Please note our premium class classification and the corresponding loadings:

Premium class Disability own Disability any

1

0% loading

0% loading

2

25% loading

0% loading

3

50% loading

0% loading

4

100% loading

50% loading

Occupational hazard: Please note that these modules are only triggered, if the occupational hazard is not part of the occupation related assessment already (i.e. included in the relation ‘occupation has occupational hazard’).

When the application includes questions regarding occupational hazards, we recommend removing the occupational hazard question from the general occupation POS-module “Occupation Data collection”.

Modules for occupation

Police

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Police questionnaire

Entry Points: Helicopter Pilot (Police), Border Patrol Officer Attendant, Commander (Police), Detective Superintendent (Police), Safety Inspector (Police), Police Inspector, Federal Police Inspector, Police Officer, Federal Police Officer, Law Enforcement Officer (Police), Special Forces Member (Police), Water Police Official, Border Patrol Official, Petty Officer (Police), Police Employee, Police Officer Candidate, Patroller (Police), Border Guard (Air Patrol), Border Guard (Naval Patrol), Bomb Disposal Officer, CBRN Police

1 Details

image 2021 12 08 17 01 44 542

(Single Follow Up)

  • If currently deployed abroad = yes, screen 4 and always refer

  • If currently deployed abroad = no, screen 2

-

2 Details duties

image 2021 12 08 17 03 09 586

  • If administrative duties only = yes

    • Life, CI, LTC, ADB: standard

    • Disability any: standard

    • Disability own: RC2 / 25% loading

    • H&S: 10% loading

  • If administrative duties only = no, screen 3

-

3 Special occupational duties

image 2021 12 08 17 05 08 123

(Multiple Selection, Single Follow Up)

  • If diving or special forces

    • Life, CI, ADB: 3%o

    • Disability own/any, H&S, LTC: decline

  • If bomb disposal, CBRN defence, flying a helicopter, mountain/sea rescue, personal protection

    • Life, CI, ADB: 2%o

    • Disability own/any, H&S: decline

    • LTC: 40% loading

  • If flying a plane

    • Life, CI, ADB : 1%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If police sports organisation

    • Life, CI, ADB: standard

    • Disability own: decline

    • Disability any: standard

    • LTC: 10% loading

    • H&S: 25% loading

  • If none of the above

    • Life, CI, ADB: standard

    • Disability own/any: standard

    • LTC: 10% loading

    • H&S: 25% loading

-

4 Details deployment abroad

image 2021 12 08 17 07 29 806

  • refer

Musician

For Disability own, H&S
Life, Disability any, ADB, CI, LTC: standard

Default premium class for Disability benefits: 3

Cancel reaction: Musician questionnaire

Entry Points: Professional Musician, Musician, Brass Player, Cellist, Bassoonist, Flautist, Violinist, Harpist, Bugler, Bassist, Oboist, Orchestra Musician, Organist, Pianist, Trombonist, Drummer, Church Musician, Choir Singer, Concert Singer, Musical Singer, Opera Singer, Singer, Master (Music), Student (Music)

Occupational status is known

  • If self-employed or student

    • Disability own: decline

    • H&S: 25% loading

  • If employed, screen 2

2 Duration

image 2021 12 08 17 10 59 671

(Single Follow Up)

  • If employed < 12 months

    • Disability own: decline

    • H&S: 25% loading

  • If employed >= 12 months, screen 3

-

3 Employer

image 2021 12 08 17 12 14 149

(Multiple Selection, Single Follow Up)

  • If other

    • Disability own: decline

    • H&S: 25% loading

  • If orchestra, choir or theatre

    • Disability own: RC4 / 100% loading

    • H&S: 25% loading

  • If school

    • Disability own: standard

    • H&S: 25% loading

Fire brigade

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Fire brigade questionnaire

Entry Points: Bush Fire Fighter, CBRN Fire Brigade, Candidate Firefighter, Firefighter, Divisional Officer (Fire Service), Fire Officer, Chief of Operations (Fire Brigade), Aerial Firefighter

[.small]#1 Details #

image 2021 12 08 17 14 59 262

(Multiple Selection, Single Follow Up)

  • If fire investigator or prevention officer

    • Life, CI, ADB, LTC: standard

    • Disability own: RC2 / 25% loading

    • Disability any: standard

    • H&S 10% loading

  • If none, screen 2

-

2 Details duties

image 2021 12 08 17 16 03 707

(Single Follow Up)

  • If administrative duties only = yes

    • Life, CI, ADB, LTC, H&S: standard

    • Disability any: RC1 / no loading

    • Disability own: RC2 / 25% loading

    • H&S 10% loading

  • If administrative duties only = no, screen 3

-

3 Details occupation

image 2021 12 08 17 17 11 035

(Multiple Selection, Single Follow Up)

  • If bomb disposal, CBRN, diving or rescue at heights

    • Life, CI, ADB: 3%o

    • Disability own/any, LTC, H&S: decline

  • If aerial fire fighting or bush fire fighting:

    • Life, CI, ADB: 2%o

    • Disability own/any, LTC, H&S: decline

  • If disaster control:

    • Life, CI, ADB: 2%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • LTC : 40% loading

    • H&S: 50% loading

  • If none:

    • Life, CI, ADB: 1%o

    • Disability own: RC3 / 50% loading

    • Disability any: RC4 / 50% loading

    • LT: 20% loading

    • H&S: 25% loading

Camera operator

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Camera operator / Photographer questionnaire

Entry Points: Film and Video Production Manager, Assistant Cameraman, Cameraman, Camera Operator

1 Details

image 2021 12 08 17 20 18 941

(Single Follow Up)

  • If broadcast studio only

    • Life, CI, ADB, LTC: standard

    • Disability own/any: standard

    • H&S: 25% loading

  • If other places, screen 2

-

2 Details occupational duties

image 2021 12 08 17 22 02 856

(Multiple Selection, Single Follow Up)

  • If work in unsettled regions:

    • Life, screen 3 and refer

    • CI, Disability own/any, ADB, LTC, H&S: decline

  • If work in disaster zones, screen 3 and refer

  • If underwater filming

    • Life, CI, ADB: 1%o

    • Disability own/any, H&S: decline

    • LTC: 20% loading

  • If aerial filming:

    • Life, CI, ADB: 1%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If animal filming:

    • Life, CI, ADB: 0,5%o

    • Disability own: RC4 / 100% loading

    • Disability any: : RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 50% loading

  • If none of the above

    • Life, CI, ADB: standard

    • Disability own/any: standard

    • LTC: 10% loading

    • H&S: 25% loading

-

3 Details regions/zones

image 2021 12 08 17 24 33 510

Photographer

For all benefits

Cancel reaction: Camera operator / Photographer questionnaire

Default premium class for Disability benefits: 3

Entry Points: Photojournalist, Photographer, Industrial Photographer, Photographer (Commercial Photography), Photographer (Press Photography), Photographer (Sports Photography), Photographer (Portrait Photography

1 Details

image 2021 12 08 17 26 28 555

(Single Follow Up)

  • If photography studio only

    • Life, CI, ADB, LTC: standard

    • Disability own: RC2 / 25% loading

    • Disability any: standard

    • H&S: 10% loading

  • If other places, screen 2

-

2 Details occupational duties

image 2021 12 08 17 27 35 233

(Multiple Selection, Single Follow Up)

  • If work in unsettled regions:

    • Life, screen 3 and refer

    • CI, Disability own/any, ADB, LTC, H&S: decline

  • If work in disaster zones, screen 3 and refer

  • If underwater photography

    • Life, CI, ADB: 1%o

    • Disability own/any, H&S: decline

    • LTC: 20% loading

  • If aerial photography:

    • Life, CI, ADB: 1%o

    • Disability own/any: standard

    • LTC: 20% loading

    • H&S: 25% loading

  • If animal photography

    • Life, CI, ADB: 0,5%o

    • Disability own: RC3 / 50% loading

    • Disability any: : standard

    • LTC: 10% loading

    • H&S: 25% loading

  • If none of the above

    • Life, CI, ADB, LTC: standard

    • Disability own: RC2 / 25% loading

    • Disability any: standard

    • H&S: 10% loading

-

3 Details regions/zones

image 2021 12 08 17 30 07 868

  • refer

Armed forces

For all benefits

Cancel reaction: Armed forces questionnaire

Default premium class for Disability benefits: 3

Entry Points: Admiral (Armed Forces), Lieutenant Commander (Armed Forces), Major (Armed Forces), Officer (Armed Forces), Military Attaché, Boatswain (Armed Forces), Officer Cadet (Armed Forces), Sergeant (Armed Forces), Sergeant Major (Armed Forces), Medic (Armed Forces), Staff Sergeant (Armed Forces), Military Police Officer (Armed Forces), Radio Operator (Armed Forces), Pioneer (Armed Forces), Soldier (Armed Forces), Mountain Rescue Service Officer (Armed Forces), Submarine Crewmember (Armed Forces), Signal Corps Member (Armed Forces), CBRN Armed Forces, Test Pilot (Armed Forces), Civilian Employee (Armed Forces)

1 Deployment

image 2021 12 08 17 33 50 828

(Single Follow Up)

  • If currently deployed = yes, screen 5 and refer

  • If currently deployed = no, screen 2

-

2 Administrative duties

image 2021 12 08 17 38 17 065

  • If administrative duties = no, screen 3

  • If administrative duties = yes

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • Disability own RC2 / 25% loading

    • H&S: 10% loading

-

3 Occupational duties

image 2021 12 08 17 39 55 641

(Multiple Selection, Single Follow Up)

  • If other, screen 4 and refer

  • If special forces

    • Life, CI: 6%o

    • Disability own/any, ADB, LTC, H&S: decline

  • If flying a fast jet, test pilot, display team

    • Life, CI, ADB: 5%o

    • Disability own/any, LTC, H&S: decline

  • If diving or personal protection

    • Life, CI, ADB: 4%o

    • Disability own/any, LTC, H&S: decline

  • If CBRN, bomb disposal, parachuting or flying a helicopter

    • Life, CI, ADB: 3%o

    • Disability own/any, LTC, H&S: decline

  • If flying a transport aircraft

    • Life, CI, ADB: 2%o

  • Disability own/any: refer

  • LTC: 40% loading

  • H&S: 50% loading

-

4 Details other duties

image 2021 12 08 17 44 26 671

  • always refer

-

5 Details deployment

image 2021 12 08 17 45 51 962

  • always refer

Commercial aviation

For all benefits

Cancel reaction: Commercial aviation questionnaire

Default premium class for Disability benefits: 3

Entry Points: Flying Doctor, Co-Pilot, Flight Captain, Pilot, Helicopter Pilot, Commercial Airline Pilot, Commercial Pilot, Aerial Advertisement Pilot, Test Pilot, Flight Instructor, Crop Sprayer Pilot, Air Ambulance, Construction Pilot

Occupational status is known

  • If occupational status = employed, screen 1

  • If occupational status = self-employed, screen 2

1 Details employment

image 2021 12 08 17 47 12 288

(Single Follow Up)

  • If police, module change to Police

  • If armed forces, module change to Armed forces

  • If fire brigade, module change to Fire brigade

  • If other, screen 2

-

2 Licence

image 2021 12 08 17 49 22 925

(Multiple Selection, Single Follow Up)

  • If other, screen 4 and refer

  • If Helicopter or Aircraft, screen 3

  • If Balloon

    • Life, CI, ADB: standard

    • Disability own, H&S: decline

    • LTC: 10% loading

    • Disability any: RC4 / 50% loading

  • If Sports licences, refer

-

3 Occupational duties

image 2021 12 08 17 50 29 152

(Multiple Selection, Single Follow Up)

  • If Helicopter

    • If aerial fire fighting or aerobatics/test flights

      • Life, CI, ADB: 4%o

      • Disability own/any, LTC, H&S: decline

    • If construction or agricultural flying

      • Life, CI, ADB: 3%o

      • Disability own/any, LTC, H&S: decline

    • If traffic, pipeline inspection, photography, flight instruction, air ambulance flight, advertising

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC: 40% loading

    • If none of the above

      • If employed

        • Life, CI, ADB: 1%o

        • Disability own: RC4 / 100% loading

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If self-employed

        • Life, CI, ADB: 1%o

        • Disability own, H&S: decline

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

  • If Airplane

    • If aerial fire fighting or aerobatics/test flights

      • Life, CI, ADB: 3%o

      • Disability own/any, H&S, LTC: decline

    • If agricultural flying or construction

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC 40% loading

    • If traffic/weather information, pipeline inspection, photography, flight instruction, advertising

      • Life, CI, ADB: 1%o

      • Disability own, H&S: decline

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

    • If air ambulance flight/flying doctor

      • If employed

        • Life, CI, ADB: 1%o

        • Disability own: RC4 / 100% loading

        • Disability any RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If self-employed

        • Life, CI, ADB: 1%o

        • Disability own, H&S: decline

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

    • If none of the above

      • If employed

        • Life, CI, ADB, LTC: standard

        • Disability own/any: standard

        • H&S: 25% loading

      • If self-employed

        • Life, CI, ADB, LTC: standard

        • Disability own, H&S: decline

        • Disability any: RC4 / 50% loading

-

4 Other licence

image 2021 12 08 18 24 08 343

  • refer

Commercial diving

For Life, CI, Disability any, ADB, LTC
Disability own, H&S: decline

Default premium class for Disability benefits: 3

Cancel reaction: Commercial diving questionnaire

Entry Points: Diver, Diving Supervisor, Professional Diver, Commercial Diver, Nuclear Diver

Occupational status is known

  • If self-employed, screen 1

  • If employed, screen 2

1 Details self-employment

image 2021 12 08 18 25 48 793

(Single Follow Up)

  • If employees = yes and administrative duties = yes

    • Life, CI, ADB, Disability any: standard

    • LTC: 20% loading

  • If employees = no or administrative duties = no

    • Life, CI, ADB, LTC: screen 2

    • Disability any: decline

-

2 Details employment

image 2021 12 08 18 26 51 694

(Single Follow Up)

  • If police, module change to Police

  • If armed forces, module change Armed forces

  • If fire brigade, module change to Fire brigade

  • If other

    • Life, CI, ADB, LTC, screen 3

    • Disability any: decline

-

3 Occupational duties

image 2021 12 08 18 27 51 615

(Multiple Selection, Single Follow Up)

  • If nuclear diving

    • Life, CI, ADB: 4%o

    • LTC: decline

  • If rescue/salvage operation or use of explosives

    • Life, CI, ADB: 3%o

    • LTC: decline

  • If pipeline construction, exploration, diving instruction or cable laying

    • Life, CI, ADB: 2%o

    • LTC 40% loading

  • If none of the above

    • Life, CI, ADB: 1%o

    • LTC 20% loading

Offshore Work

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Offshore Work questionnaire

Entry Points: Offshore Worker, Bachelor (Maritime Transport, Navigation and Logistics), Student (Maritime Transport)

1 Details industry

image 2021 12 08 18 33 34 437

(Single Follow Up)

  • If fishing (assessment below + screen 5)

    • Life, CI, ADB: 2%o

    • Disability own/any, H&S: decline

    • LTC 40% loading

  • If fish farming (assessment below + screen 5)

    • Life, CI, ADB: 1%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • LTC 20% loading

    • H&S 50% loading

  • If scientific/research or wind power (assessment below + screen 5)

    • Life, CI, ADB: 1%o

    • Disability own: standard

    • LTC: 20% loading

    • H&S: 25% loading

    • Disability any: RC4 / 50% loading

  • If merchant marine/shipping or oil and gas industry, screen 2

  • If other, screen 4 and refer

-

2 Administrative duties

image 2021 12 08 18 36 05 704

  • If administrative duties = no (assessment below + screen 5)

    • If oil and gas industry

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC 40% loading

    • If merchant marine/shipping

      • Life, CI, ADB: 1%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

  • If administrative duties = yes (assessment below + screen 5)

    • If oil and gas industry

      • Life, CI, ADB: 1%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If merchant marine/shipping

      • Life, CI, ADB: standard

      • Disability own/any: standard

      • LTC: 20% loading

      • H&S: 25% loading

-

4 Details

image 2021 12 08 18 40 56 676

  • refer

-

5 Underwater/aviation activities

image 2021 12 08 18 41 31 353

(Single Selection, Single Follow Up)

  • If underwater activities = yes

    • Life, CI, ADB: additionally 1%o

    • Disability own/any, H&S: decline

    • LTC: additionally 20%

  • If aviation activities = yes

    • Life, CI, ADB: additionally 1%o

    • Disability own/any: + 1RC

    • LTC: additionally 20%

    • H&S: refer

Offshore Work merchant marine

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Offshore Work questionnaire

Entry Points: Able Seaman, Boatswain, Sailor

1 Type of vessel

image 2021 12 09 19 16 58 114

(Multiple Selection, Single Follow Up)

  • If other type of vessel, refer and screen 3

  • If type of vessel = barge, heavy lift vessel, salvage vessel, supply vessel or tugboat (assessment below + screen 2)

    • Life, CI, ADB: 1%o

    • Disability own RC4 / 100% loading

    • Disability any RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If type of vessel = cruise liner or passenger vessel (assessment below + screen 2)

    • Life, CI, ADB: standard

    • Disability own/any: standard

    • LTC: 20% loading

    • H&S: 25% loading

-

2 Underwater/aviation activities (screen always appears)

image 2021 12 09 19 20 28 288

(Single Selection, Single Follow Up)

  • If underwater activities = yes

    • Life, CI, ADB: additionally 1%o

    • Disability own/any, H&S: decline

    • LTC: additionally 20%

  • If aviation activities = yes

    • Life, CI, ADB: additionally 1%o

    • Disability own/any: + 1RC

    • LTC: additionally 20%

    • H&S: refer

-

3 Details vessel

image 2021 12 09 19 22 03 073

  • refer

Security guard / Private investigator

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Security guard / Private investigator questionnaire

Entry Points: Security Officer (Site Security), Security Service Employee, Security Services Expert, Security Officer (Company Security), Corporate Security Specialist, Watchman (Security), Night Watchman, Security Guard, Security Staff Member, Building Guard, Private Detective, Department Store Detective, Private Investigator

Occupational status is known

  • If self-employed, screen 1

  • If employed, screen 2

1 Details self-employment

image 2021 12 09 19 27 43 734

(Single Follow Up)

  • If employees = yes and administrative duties = yes

    • Life, CI, ADB, LTC: standard

    • Disability own: RC2 / 25% loading

    • Disability any: standard

    • H&S: 10% loading

  • If employees = no or administrative duties = no, screen 2

-

2 Details

image 2021 12 09 19 28 10 421

(Multiple Selection, Single Follow Up)

  • If personal security, armoured car service or fugitive recovery

    • Life, CI, ADB: 2%o

    • Disability own/any, H&S: decline

    • LTC: 40% loading

  • If none of the above, screen 3

-

3 Details

image 2021 12 09 19 29 18 946

(Single Follow Up)

  • If carrying weapon = yes or active licence = yes

    • Life, CI, ADB: 1%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • H&S 50% loading

    • LTC: 20% loading

  • If active licence = no and carrying weapon = no

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • Disability own: RC2 / 25% loading

    • H&S: 10% loading

Hint:

If you have no foreign travel question in your application form, it shall be asked within this module:

“Do you intend to travel abroad for occupational reasons for more than 10 days within the next 12 months?”

Professional sports instructor

Athletics (instructor)

For Disability own/any, LTC
Life, CI, ADB: standard
H&S: 25% loading

Default premium class for Disability benefits: 3

Cancel reaction: Athletics questionnaire

Entry Points: Athletics instructor

Occupational status is known

1 Details

image 2021 12 09 19 33 05 265

(Single Selection, Single Follow Up)

-

2 Type of activity

image 2021 12 09 19 34 29 038

(Multiple Selection, Single Follow Up)

  • If employed and formal qualification = yes

    • If Pole vaulting, modern pentathlon or decathlon

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

    • If none of the above, standard

  • If self-employed or formal qualification = no

    • If Pole vaulting, modern pentathlon or decathlon

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

    • If none of the above, standard

Aviation sports (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Aviation sports questionnaire

Entry Points: Aviation sports instructor

Occupational status is known

1 Activity

image 2021 12 09 19 38 34 441

(Multiple Selection, Single Follow Up)

  • If Air displays, air shows, air racing, use of prototypes, use of amateur-built aircraft, use of historic/vintage aircraft, BASE jumping, Wingsuit flying

    • all benefits: decline

  • If other activity, screen 2

-

2 Details

image 2021 12 09 19 40 26 035

(Multiple Selection, Single Follow Up)

  • If another type, screen 3

  • If self-employed or formal qualification = no

    • If licence = Helicopter

      • Life, CI, ADB: 2.5%o

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • H&S: 50% loading

      • LTC: 30% loading

    • If licence= Hangglider, paraglider, parachute, microlight aeroplane

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC: 20% loading

    • If licence = Microlight Gyrocopter, Aeroplane

      • Life, CI, ADB: 2%o

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If licence = Glider/Sailplane

      • Life, CI, ADB: 1.5%o

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • H&S: 50% loading

      • LTC: 20% loading

    • If licence = Balloon

      • Life, CI, ADB, LTC: standard

      • Disability own/any: standard

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If licence= Hangglider, paraglider, parachute, microlight aeroplane

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC: 20% loading

    • If licence = Helicopter

      • Life, CI, ADB: 2,5%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • H&S: 50% loading

      • LTC: 30% loading

    • If licence = Microlight Gyrocopter, Aeroplane

      • Life, CI, ADB: 2%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If licence = Glider/Sailplane

      • Life, CI, ADB: 1.5%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • H&S: 50% loading

      • LTC: 20% loading

    • If licence = Balloon

      • Life, CI, ADB, LTC: standard

      • Disability own: RC3 / 50% loading

      • Disability any: standard

      • H&S: 25% loading

-

3 Other licence

image 2021 12 09 19 47 25 541

  • refer

Ball games (instructor)

For Disability own/any, LTC
H&S: 25% loading
Life, CI, ADB: standard

Default premium class for Disability benefits: 3

Cancel reaction: Ball games questionnaire

Entry Points: Ball games instructor, tennis instructor, soccer coach, golf instructor

Occupational status is known

1 Details

image 2021 12 09 19 49 16 390

(Singe Selection, Single Follow Up)

-

2 Type of activity

image 2021 12 09 19 49 54 465

(Multiple Selection, Single Follow Up)

  • If self-employed or formal qualification = no

    • If American Football, Flag football or Rugby

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

    • If another type of activity, standard

  • If employed and formal qualification = yes

    • If American Football, Flag football or Rugby

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

    • If another type of activity, standard

Cycling (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Cycling questionnaire

Entry Points: Cycling instructor

Occupational status is known

1 Activity

image 2021 12 09 19 54 20 968

(Multiple Selection, Single Follow Up)

  • If another type, screen 2

  • If self-employed or formal qualification= no

    • If sport = Mountain biking/Off-road cycling

      • Life, CI: 2%o

      • Disability own/any, ADB, H&S: decline

      • LTC: 40% loading

    • If sport = Road bike, Racing bike, Track Cycling, BMX

      • Life, CI, ADB: standard

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If sport = Recumbent bike, Unicycle, Cycle ball, Trick Cycling

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: standard

      • H&S: 25% loading

  • If employed and formal qualification=yes

    • If sport = Mountain biking/Off-road cycling

      • Life, CI: 2%o

      • Disability own/any, ADB, H&S: decline

      • LTC: 40% loading

    • If sport = Road bike, Racing bike, Track Cycling, BMX

      • Life, CI, ADB: standard

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If sport = Recumbent bike, Unicycle, Cycle ball, Trick Cycling

      • Life, CI, ADB, LTC: standard

      • Disability own/any: standard

      • H&S: 25% loading

-

2 Other sport

image 2021 12 09 19 56 45 863

  • refer

Dancing and gymnastics (instructor)

For Disability own/any, LTC
H&S: 25% loading
Life, CI, ADB: standard

Default premium class for Disability benefits: 3

Cancel reaction: Dancing and gymnastics questionnaire

Entry Points: Ballet teacher, dance instructor, dancing and gymnastics instructor, aerobics instructor, yoga instructor

Occupational status is known

1 Details

image 2021 12 09 20 08 17 267

  • If self-employed or formal qualification= no

    • Disability own: decline

    • Disability any, LTC, screen 2

  • If employed and formal qualification = yes

    • Disability own: standard

    • Disability any, LTC, screen 2

-

2 Activity

image 2021 12 09 20 09 00 432

(Multiple Selection, Single Follow Up)

  • If another type, screen 3

  • If sport = Acrobatics or artistic gymnastics

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

  • If sport = Aerobics, Callanetics, Dancing, Rhythmic gymnastics, Ball gymnastics or yoga

    • Disability any, LTC: standard

-

3 Other sport

image 2021 12 09 20 09 55 123

  • refer

Diving sports (instructor)

For Life CI and ADB
Disability own/any, LTC and H&S: decline

Default premium class for Disability benefits: 3

Cancel reaction: Diving sports questionnaire

Entry Points: Diving instructor

1 Details

image 2021 12 09 20 11 55 393

(Multiple Selection, Single Follow Up)

  • If Free diving/Apnea diving, decline

  • If other type, refer and screen 3

  • If Scuba diving, screen 2

-

2 Activities

image 2021 12 09 20 12 31 510

(Multiple Selection, Single Follow Up)

  • If another type, refer and screen 4

  • Depth > 80m

    • Life: refer

    • CI, ADB: decline

  • If depth > 50 m - ≤ 80 m

    • If cave or ice diving

      • Life: 5%o

      • CI, ADB: decline

    • If Wreck diving, cavern diving drift diving or nitrox

      • Life, CI, ADB: 3%o

  • If depth ≤ 50 m

    • If cave or ice diving

      • Life, CI: 4%o

      • ADB: decline

    • If Wreck diving, cavern diving drift diving or nitrox

      • Life, CI, ADB: 2%o

-

3 Other type

image 2021 12 09 20 14 44 231

  • refer

-

4 Other activity

image 2021 12 09 20 15 18 976

  • refer

Equestrian sports (instructor)

For all benefits

Cancel reaction: Equestrian sports questionnaire

Entry Points: Equestrian sports instructor, riding instructor

Occupational status known

1 Activity

image 2021 12 09 20 23 35 520

(Multiple Selection, Single Follow Up)

  • If another, screen 2

  • If eventing, steeplechasing, obstacle racing, rodeo

    • Life, CI, ADB: 2%o

    • Disability own/any, H&S: decline

    • LTC: 40% loading

  • If self-employed or formal qualification = no

    • If sport = Flat racing, trot racing, harness racing or jumping

      • Life, CI, ADB: 1%o

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If sport = Polo, Dressage, Vaulting, Horse/combined driving, Endurance riding

      • Life, CI, ADB: standard

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If sport = Western riding, Horsetrekking/Trail riding, Icelandic horse riding

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If sport = Flat racing, trot racing, harness racing or jumping

      • Life, CI, ADB: 1%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If sport = Polo, Dressage, Vaulting, Horse/combined driving, Endurance riding

      • Life, CI, ADB: standard

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If sport = Western riding, Horsetrekking/Trail riding, Icelandic horse riding

      • Life, CI, ADB, LTC: standard

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • H&S: 25% loading

-

3 Other activity

image 2021 12 09 20 30 44 506

  • refer

Martial arts (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Martial arts questionnaire

Entry Points: Martial arts instructor

Occupational status known

1 Activity

image 2021 12 09 20 38 04 987

(Multiple Selection, Single Follow Up)

  • If other type, screen 2

  • If sport = Cage fighting, Lutra Livre, No rules fighting

    • Life, CI, ADB: 3%o

    • Disability any, H&S, LTC: decline

  • If self-employed or formal qualification = no

    • If sport = Karate, Kung-fu, Taekwon-do, Boxing, Kickboxing, Thai boxing, Judo, Krav Maga

      • Life, CI, ADB: 1%o

      • Disability any: RC4 / 50% loading

      • Disability own: decline

      • LTC: 20% loading

      • H&S: 50% loading

    • If sport = Sumo, Wrestling

      • Life, CI: 1%o

      • Disability any: RC4 / 50% loading

      • Disability own: decline

      • H&S: 25% loading

      • LTC: 20% loading

    • If sport = Aikido, Hapkido, Kendo, Fencing, Tai Chi, Ju Jitsu, Arnis, Escrima, Taebo

      • Life, CI, ADB, LTC: standard

      • Disability any: standard

      • Disability own: decline

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If sport = Karate, Kung-fu, Taekwon-do, Boxing, Kickboxing, Thai boxing, Judo, Krav Maga

      • Life, CI, ADB: 1%o

      • Disability any: RC4 / 50% loading

      • Disability own: RC4 / 100% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If sport = Sumo, Wrestling

      • Life, CI: 1%o

      • Disability any: RC4 / 50% loading

      • Disability own: standard

      • H&S: 25% loading

      • LTC: 20% loading

    • If sport = Aikido, Hapkido, Kendo, Fencing, Tai Chi, Ju Jitsu, Arnis, Escrima, Taebo

      • Life, CI, ADB, LTC: standard

      • Disability any/own: standard

      • H&S: 25% loading

-

2 Other activity

image 2021 12 09 20 43 31 713

  • refer

Motor car racing (instructor)

For Life, CI, Disability any, ADB, LTC, H&S Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Motor car racing questionnaire

Entry Points: Automobile racing instructor

1 Activity

image 2021 12 09 20 46 38 867

(Multiple Selection, Single Follow Up)

  • If other, screen 2

  • If races = yes

    • If motorsports = Rally car racing, formula series, saloon car racing or sports car racing

      • Life, CI: 6%o

      • Disability any, ADB, LTC, H&S: decline

    • If motorsports = Karting

      • Life, CI: 5%o

      • Disability any, ADB, LTC, H&S: decline

  • If races = no

    • If motorsports = Formula series

      • Life, CI: 4%o

      • Disability any, ADB, LTC, H&S: decline

    • If motorsports = Sports car racing, saloon car racing, rally car racing or karting

      • Life, CI, ADB: 2%o

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 50% loading

-

2 Other activity

image 2021 12 09 20 50 41 586

  • refer

Motorcycle racing (instructor)

For Life, CI
Disability own/any, ADB, LTC, H&S: decline

Default premium class for Disability benefits: 3

Cancel reaction: Motorcycle racing questionnaire

Entry Points: Motorcycle racing instructor

1 Activity

image 2021 12 10 16 20 27 100

(Multiple Selection, Single Follow Up)

  • If another type, screen 3

  • If races = yes

  • If motorcycle sports = Road racing, screen 2

  • If motorcycle sports = Offroad or rally, 8%o

  • If races = no

  • If motorcycle sports = Offroad, rally or road racing, 4%o

-

2 Kind of race

image 2021 12 10 16 21 31 495

(Multiple Selection, Single Follow Up)

  • If Isle of Man or TT, decline

  • If Other, 8%o

-

3 Other activity

image 2021 12 10 16 24 45 656

  • refer

Mountaineering (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Mountaineering / Climbing questionnaire

Entry Points: Mountaineering instructor

Occupational status is known

1 Activity

image 2021 12 10 16 26 11 621

(Multiple Selection, Single Follow Up)

  • If another type, screen 3 and refer

  • If self-employed or formal qualification = no

    • If Free solo climbing, Buildering or Expeditions

      • Disability own: decline

      • Life, CI, Disability any, ADB, LTC, H&S: refer

    • If Alpine Climbing, Hiking or Trekking, screen 2

    • If Bouldering, Artificial or Indoor Climbing

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: standard

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If Free solo climbing, Buildering or Expeditions, refer

    • If Alpine Climbing, Hiking or Trekking, screen 2

    • If Bouldering, Artificial or Indoor Climbing

      • Life, CI, ADB, LTC: standard

      • Disability own/any: standard

      • H&S: 25% loading

-

2 Altitude/region

image 2021 12 10 16 28 03 791

(Multiple Selection, Single Follow Up)

  • If height > 5.300 meter

    • Life: refer

    • CI, Disability own/any, ADB, LTC, H&S: decline

  • If region Antarctica, Arctic or Greenland

    • If self-employed or formal qualification = no

      • Disability own: decline

      • All other: refer

    • If employed and formal qualification = yes, refer

  • If height ≤ 5.300 meter

    • If self-employed or formal qualification = no

      • If Alpine, Big Wall, Ice Climbing or Traditional mountaineering

        • Life, CI, ADB: 2%o

        • Disability own: decline

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If Trekking, Via ferrata, Sports climbing

        • Life, CI, ADB: 1%o

        • Disability own: decline

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Hiking, Walking, Scrambling

        • Life, CI, ADB, LTC: standard

        • Disability own: decline

        • Disability any: standard

        • H&S: 25% loading

    • If employed and formal qualification = yes

      • If Alpine, Big Wall, Ice Climbing or Traditional mountaineering

        • Life, CI, ADB: 2%o

        • Disability own: RC4 / 100% loading

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If Trekking, Via ferrata, Sports climbing

        • Life, CI, ADB: 1%o

        • Disability own: standard

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Hiking, Walking, Scrambling

        • Life, CI, ADB, LTC: standard

        • Disability own/any: standard

        • H&S: 25% loading

-

3 Other activity

image 2021 12 10 16 31 36 150

  • refer

Skating (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Skating questionnaire (instructor)

Entry Points: Skating instructor

Occupational status is known

1 Activity

image 2021 12 10 16 32 37 932

(Multiple Selection, Single Follow Up)

  • If self-employed or formal qualification = no

    • If activity = Inline downhill skating / Downhill skating or Street luge

      • Life, CI, ADB: 1.5%o

      • Disability, H&S: decline

      • LTC: 30% loading

    • If activity = Dirtboarding, Grassboarding, Speed skating, Wind skating or Inline skating

      • Life, CI, ADB: standard

      • Disability own: decline

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If activity = Artistic roller skating, Caster boarding, Longboarding, Nordic blading, or other

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: standard

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If activity = Inline downhill skating / Downhill skating or Street luge

      • Life, CI, ADB: 1.5%o

      • Disability, H&S: decline

      • LTC: 30% loading

    • If activity = Dirtboarding, Grassboarding, Speed skating, Wind skating or Inline skating

      • Life, CI, ADB: standard

      • Disability own: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If activity = Artistic roller skating, Caster boarding, Longboarding, Nordic blading, or other

      • Life, CI, ADB, LTC: standard

      • Disability own/any: standard

      • H&S: 25% loading

Strength and fitness training (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Strength and fitness training questionnaire (instructor)

Entry Points: Fitness Instructor, Strength Training Instructor

Occupational status is known

1 Details

image 2021 12 10 16 38 34 441

  • If self-employed or formal qualification = no

    • Life, CI, ADB: standard

    • Disability own: decline

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

  • If employed and formal qualification = yes

    • Life, CI, ADB: standard

    • Disability own: standard

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

Water sports (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Water sports questionnaire

Entry Points: Water sports instructor, swimming instructor, swimming coach

Occupational status is known

1 Details

image 2021 12 10 16 40 11 125

  • If dangerous areas = yes or sailing around the world=yes

    • Life, CI, Disability any, ADB, LTC, H&S, screen 4 and refer

    • Disability own: decline

  • If dangerous areas = no and sailing around the world = no, screen 2

-

2 Activities

image 2021 12 10 16 40 58 768

(Multiple Selection, Single Follow Up)

  • If other type, screen 5 and refer

  • If Motorboating or Powerboat racing

    • Life: 6%o

    • Disability own/any, CI, ADB, LTC, H&S: decline

  • If self-employed or formal qualification = no

    • If Sailing, Yachting, Kayaking or White water rafting

      • Life, CI, ADB: 3%o

      • Disability own/any, LTC, H&S: decline

    • If Surfing, screen 3

    • If Jetski, Personal watercraft, Water scooter or Flyboarding

      • Life, CI, ADB: 0,5%o

      • Disability own: decline

      • Disability any: RC4 / loading 50%

      • LTC: 10% loading

      • H&S: 25% loading

    • If Canoeing, Rowing, Swimming, Water ski, Underwater rugby

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: standard

      • H&S: 25% loading

  • If employed and formal qualification = yes

    • If Sailing, Yachting, Kayaking or White water rafting

      • Life, CI, ADB: 3%o

      • Disability own/any, LTC, H&S: decline

    • If Surfing, screen 3

    • If Jetski, Personal watercraft, Water scooter or Flyboarding

      • Life, CI, ADB: 0.5%o

      • Disability own: standard

      • Disability any: RC4 / loading 50%

      • LTC: 10% loading

      • H&S: 25% loading

    • If Canoeing, Rowing, Swimming, Water ski, Underwater rugby

      • Life, CI, ADB, LTC: standard

      • Disability own: RC3 / loading 50%

      • Disability any: standard

      • H&S: 25% loading

-

3 Surfing details

image 2021 12 10 16 47 17 834

(Multiple Selection, Single Follow Up)

  • If other, refer and screen 6

  • If Kitesurfing or Kite water skiing

    • If self-employed or formal qualification = no

      • Life, CI, ADB: 1.5%o

      • Disability own: decline

      • Disability any: RC4 / loading 50%

      • LTC: 30% loading

      • H&S: 50% loading

    • If employed and formal qualification = yes

      • Life, CI, ADB: 1.5%o

      • Disability own: decline

      • Disability any: RC4 / loading 50%

      • LTC: 30% loading

      • H&S: 50% loading

  • If Windsurfing or Wave surfing

    • If self-employed or formal qualification = no

      • Life, CI, ADB, LTC: standard

      • Disability own: decline

      • Disability any: standard

      • H&S: 25% loading

    • If employed and formal qualification = yes

      • Life, CI, ADB, LTC: standard

      • Disability own/any: standard

      • H&S: 25% loading

-

4 Details

image 2021 12 10 16 49 58 991

  • refer

-

5 Other activity

image 2021 12 10 16 50 30 865

  • refer

-

6 Other surfing activity

image 2021 12 10 16 52 38 774

  • refer

Winter sports (instructor)

For all benefits

Default premium class for Disability benefits: 3

Cancel reaction: Winter sports questionnaire

Entry Points: Winter sports instructor, skiing instructor

Occupational status is known

1 Activities

image 2021 12 10 16 53 58 187

(Multiple Selection, Single Follow Up)

-

2 Details

image 2021 12 10 16 54 34 673

(Multiple Selection, Single Follow Up)

  • If self-employed or formal qualification = no

    • If region = Arctic, Antarctica or Greenland

      • Life, CI, Disability any, ADB, LTC, H&S: refer

      • Disability own: decline

    • If region = none

      • If Speed skiing, extreme skiing, freestyle skiing and region

        • Life: refer

        • CI, Disability own/any, ADB, LTC, H&S: decline

      • If Heli-skiing

        • Life, CI, ADB: 2%o

        • Disability own: decline

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If Ski jumping, Nordic combined, Snow kiting, Skeleton, Luge, Bobsledding or other

        • Life, CI, ADB: 1%o

        • Disability own: decline

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Short track, Speed skating, Ice hockey, Ringette, Ice polo

        • Life, CI, ADB: standard

        • Disability own: decline

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Cross-country skiing, Nordic skiing, Figure skating, Ice dancing

        • Life, CI, ADB, LTC: standard

        • Disability own: decline

        • Disability any: standard

        • H&S: 25% loading

  • If employed and formal qualification = yes

    • If region = Arctic, Antarctica or Greenland, refer

    • If region = none

      • If Speed skiing, extreme skiing, freestyle skiing and region

        • Life: refer

        • CI, Disability own/any, ADB, LTC, H&S: decline

      • If Heli-skiing

        • Life, CI, ADB: 2%o

        • Disability own: RC4 / 100% loading

        • Disability any: RC4 / 50% loading

        • LTC: 20% loading

        • H&S: 50% loading

      • If Ski jumping, Nordic combined, Snow kiting, Skeleton, Luge, Bobsledding or other

        • Life, CI, ADB: 1%o

        • Disability own: standard

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Short track, Speed skating, Ice hockey, Ringette, Ice polo

        • Life, CI, ADB: standard

        • Disability own: standard

        • Disability any: RC4 / 50% loading

        • LTC: 10% loading

        • H&S: 25% loading

      • If Cross-country skiing, Nordic skiing, Figure skating, Ice dancing

        • Life, CI, ADB, LTC: standard

        • Disability own/any: standard

        • H&S: 25% loading

Professional athlete

Athletics (professional)

For Disability any, LTC
Life, CI, ADB: standard
Disability own: decline
H&S: 25% loading

Default premium class for Disability benefits: 3

Cancel reaction: Athletics questionnaire (professional)

Entry Points: Athletics professional

1 Activities

image 2021 12 10 17 02 37 983

(Multiple Selection, Single Follow Up)

  • If pole vaulting, modern pentathlon, decathlon

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

  • If none of the above, standard

Aviation sports (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Aviation sports questionnaire

Entry Points: Aviation sports professional

1 Activity

image 2021 12 10 17 16 35 117

(Multiple Selection, Single Follow Up)

  • If air displays, air shows, air racing, use of prototypes, use of amateur-built aircraft, use of historic/vintage aircraft, BASE jumping, Wingsuit flying

    • all benefits: decline

  • If none of the above, screen 2

-

2 Details

image 2021 12 10 17 17 50 472

(Multiple Selection, Single Follow Up)

  • If other licence, screen 3 an refer

  • If licence = Hangglider, paraglider, parachute, microlight aeroplane

    • Life, CI, ADB: 2%o

    • Disability any, H&S: decline

    • LTC: 20% loading

  • If licence = Helicopter

    • Life, CI, ADB: 2.5%o

    • Disability any: RC4 / 50% loading

    • LTC: 30% loading

    • H&S: 50% loading

  • If licence = Microlight Gyrocopter, Aeroplane

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If licence = Glider/Sailplane

    • Life, CI, ADB: 1.5%o

    • Disability any: RC4 / 50% loading

    • H&S: 50% loading

    • LTC: 20% loading

  • If licence = Balloon

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

4 Other licence

image 2021 12 10 17 20 34 022

  • refer

Ball games (professional)

For disability any, LTC
H&S: 25% loading
Life, CI, ADB: standard
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Ball games questionnaire

Entry Points: Ball games professional

1 Activity

image 2021 12 10 17 23 00 096

Multiple Selection, Single Follow Up)

  • If sport = American football, Flag football or Rugby

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

  • If sport another type, standard

Cycling (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Cycling questionnaire

Entry Points: Cycling professional

1 Activity

image 2021 12 10 17 25 02 372

(Multiple Selection, Single Follow Up)

  • If another type, screen 2 and refer

  • If sport = Mountain biking/Off-road cycling

    • Life, CI: 2%o

    • Disability any, ADB, H&S: decline

    • LTC: 40% loading

  • If sport = Road bike, Racing bike, Track Cycling, BMX

    • Life, CI, ADB: standard

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

  • If sport = Recumbent bike, Unicycle, Cycle ball, Trick Cycling

    • Life,CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

2 Other sport

image 2021 12 10 17 26 27 667

  • refer

Dancing and gymnastics (professional)

For Disability any, LTC
H&S: 25% loading
Life, CI, ADB: standard
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Dancing and gymnastics questionnaire

Entry Points: Dancing and gymnastics professional

1 Activity

image 2021 12 13 16 38 40 192

(Multiple Selection, Single Follow Up)

  • If another type, screen 2 and refer

  • If sport = Acrobatics or artistic gymnastics

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

  • If sport = Aerobics, Callanetics, Dancing, Rhythmic gymnastics, Ball gymnastics or Yoga

    • Disability any, LTC: standard

-

2 Other sport

image 2021 12 13 16 39 45 538

  • refer

Diving sport (professional)

For Life, CI, ADB, LTC
Disability own/any, H&S: decline

Default premium class for Disability benefits: 3

Cancel reaction: Underwater diving questionnaire

Entry Points: Diving sports professional

1 Details

image 2021 12 13 16 45 04 240

(Multiple Selection, Single Follow Up)

  • If Free diving/Apnea diving

    • Life: refer

    • CI, ADB, LTC: decline

  • If other type, refer and screen 3

  • If Scuba diving, screen 2

-

2 Activities

image 2021 12 13 16 47 58 221

(Multiple Selection, Single Follow Up)

  • If another type, refer and screen 4

  • If depth > 80m

    • Life: refer

    • CI, ADB, LTC: decline

  • If depth > 50 m - ≤ 80 m

    • If cave or ice diving

      • Life: 5%o

      • CI, ADB, LTC: decline

    • If Wreck diving, cavern diving drift diving or nitrox

      • Life, CI, ADB: 3%o

      • LTC: decline

  • If depth ≤ 50 m

    • If cave or ice diving

      • Life: 4%o

      • CI, ADB, LTC: decline

    • If Wreck diving, cavern diving drift diving or nitrox

      • Life, CI, ADB: 2%o

      • LTC: 40% loading

    • If depth ≤ 50 m

      • Life, CI, ADB: 2%o

      • LTC: 40% loading

-

3 Other type

image 2021 12 13 16 54 06 091

  • refer

-

4 Other activity

image 2021 12 13 16 54 38 657

  • refer

Equestrian sports (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Equestrian sports questionnaire

Entry Points: Equestrian sports professional

1 Activity

image 2021 12 13 16 57 14 373

(Multiple Selection, Single Follow Up)

  • If another, screen 2 and refer

  • If sport = eventing, steeplechasing, obstacle racing, rodeo

    • Life, CI, ADB: 2%o

    • Disability any, H&S: decline

    • LTC: 40% loading

  • If sport = Flat racing, trot racing, harness racing or jumping

    • Life, CI, ADB: 1%o

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If sport = Polo, Dressage, Vaulting, Horse/combined driving, Endurance riding

    • Life, CI, ADB: standard

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

  • If sport = Western riding, Horsetrekking/Trail riding, Icelandic horse riding

    • Life, CI, ADB, LTC: standard

    • Disability own: RC4 / 50% loading

    • H&S: 2% loading

-

2 Other activity

image 2021 12 13 16 59 14 458

  • refer

Martial arts (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Martial arts questionnaire

Entry Points: Martial arts professional

1 Activities

image 2021 12 13 17 01 17 331

(Multiple Selection, Single Follow Up)

  • If other type, screen 2

  • If sport = Cage fighting, Lutra Livre, No rules fighting

    • Life, CI, ADB: 3%o

    • Disability any, H&S, LTC: decline

  • If sport = Karate, Kung-fu, Taekwon-do, Boxing, Kickboxing, Thai boxing, Judo, Krav Maga

    • Life, CI, ADB: 1%o

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If sport = Sumo, Wrestling

    • Life, CI, LTC: 1%o

    • Disability any: RC4 / 50% loading

    • H&S: 25% loading

  • If sport = Aikido, Hapkido, Kendo, Fencing, Tai Chi, Ju Jitsu, Arnis, Escrima, Taebo

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

2 Other activity

image 2021 12 13 17 02 55 385

  • refer

Motor car racing (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Motor sports questionnaire

Entry Points: Automobile racing professional

1 Activity

image 2021 12 13 17 04 20 971

(Multiple Selection, Single Follow Up)

  • If other type, screen 6 and refer

  • If type = Formula series, screen 2

  • If type = Sports car racing, screen 3

  • If type = Saloon car racing, screen 4

  • If type = Rally car racing, screen 5

  • If type = Karting

    • Life, CI, ADB: 5%o

    • Disability any, LTC, H&S: decline

  • If type = Stock car racing, Dragster or Muscle car racing

    • Life, CI, ADB: 4%o

    • Disability any, LTC, H&S: decline

  • If type = Truck racing

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 50% loading

  • If type = Drifting

    • Life, CI, ADB: 1%o

    • Disability any: RC4 / 50% loading

    • LTC: standard

    • H&S: 25% loading

-

2 Formula series

image 2021 12 13 17 05 57 359

  • If historic cars = yes

    • Life, CI: 7%o

    • Disability any, ADB LTC, H&S: decline

  • If historic cars = no

    • Life, CI: 6%o

    • Disability any, ADB LTC, H&S: decline

-

3 Sports car

image 2021 12 13 17 07 49 413

(Multiple Selection, Single Follow Up)

  • If other type, screen 7

  • If type = 12-hour or 24-hour, ALMS, IMS, GT-Series, FIA or Sports Car Championship

    • If historic cars = yes

      • Life, CI: 7%o

      • Disability any, ADB LTC, H&S: decline

    • If historic cars = no

      • Life, CI: 6%o

      • Disability any, ADB LTC, H&S: decline

  • If type = NASCAR

    • Life, CI: 6%o

    • Disability any, ADB LTC, H&S: decline

  • If type = Single-make/brand Trophy

    • Life, CI, ADB: 4%o

    • Disability any, LTC, H&S: decline

-

4 Saloon car racing

image 2021 12 13 17 09 31 138

(Multiple Selection, Single Follow Up)

  • If other type, screen 7 and refer

  • If type = Long-distance cup

    • Life, CI: 6%o

    • Disability any, ADB LTC, H&S: decline

  • If type = Saloon Car series

    • Life, CI, ADB: 4%o

    • Disability any, LTC, H&S: decline

  • If type = Production-derived race

    • Life, CI, ADB: 3%o

    • Disability any, H&S: decline

    • LTC: 20% loading

  • If type = Touring Car, WTCC or DTM

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / loading 50%

    • LTC: 10% loading

    • H&S: 50% loading

-

5 Rally car

image 2021 12 13 17 10 49 995

(Multiple Selection, Single Follow Up)

  • If other type, screen 7 and refer

  • If Dakar

    • Life, CI: 6%o

    • Disability any, ADB LTC, H&S: decline

  • If European and World rally championship

    • Life, CI: 5%o

    • Disability any, ADB LTC, H&S: decline

  • If Adventure trophy, Hill climb

    • Life, CI, , ADB: 4%o

    • Disability any, LTC, H&S: decline

  • If Rally Cross, Autocross

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 50% loading

-

6 Other activity

image 2021 12 13 20 13 09 283

  • refer

-

7 Other race

image 2021 12 13 20 13 43 173

  • refer

Motorcycle racing (professional)

For Life, CI, Disability any, ADB, LTC, H&S Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Motorcycle racing questionnaire

Entry Points: Motorcycle racing professional

1 Activity

image 2021 12 13 20 15 02 307

(Multiple Selection, Single Follow Up)

  • If another type, screen 5 and refer

  • If Road Racing, screen 2

  • If Offroad, screen 3

  • If Rally, screen 4

  • If Drag Racing

    • Life, CI: 5%o

    • Disability any, ADB, LTC, H&S: decline

  • If Long track racing, Speedway, Ice speedway, Short track racing

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • H&S: 50% loading

    • LTC: 20% loading

-

2 Road Racing

image 2021 12 13 20 16 25 656

(Multiple Selection, Single Follow Up)

  • If other, screen 6 and refer

  • If Isle of Man, Tourist trophy (TT), decline

  • If historic or endurance racing

    • Life, CI: 8%o

    • Disability any, ADB, LTC, H&S: decline

  • If Circuit & road racing

    • Life, CI: 7%o

    • Disability any, ADB, LTC, H&S: decline

  • If Pocket bike

    • Life, CI: 6%o

    • Disability any, ADB, LTC, H&S: decline

  • If Manufacturers’ championships

    • Life, CI: 5%o

    • Disability any, ADB, LTC, H&S: decline

  • If Sports touring

    • Disability any: standard

    • Life, CI, ADB, LTC, H&S: standard

-

3 Offroad

image 2021 12 13 20 17 41 000

(Multiple Selection, Single Follow Up)

  • If other, screen 6 and refer

  • If Freestyle Motocross (FMX)

    • Life, Ci: 9%o

    • Disability any, ADB, LTC, H&S: decline

  • If Motocross (MX) or Super Moto

    • Life, CI: 6%o

    • Disability any, ADB, LTC, H&S: decline

  • If Supercross

    • Life, CI: 5%o

    • Disability any, ADB, LTC, H&S: decline

-

4 Rally

image 2021 12 13 20 18 53 633

(Multiple Selection, Single Follow Up)

  • If other, screen 6 and refer

  • If Adventure Trophy, Dakar Rally

    • Life, CI: 8%o

    • Disability any, ADB, LTC, H&S: decline

  • If Rallying

    • Life, CI, ADB: 4%o

    • LTC, H&S: decline

    • Disability any: RC4 / 50% loading

-

5 Other activity

image 2021 12 13 20 19 55 117

  • refer

-

6 Other race

image 2021 12 13 20 20 47 446

  • refer

Mountaineering (professional)

For Life, CI, Disability any, ADB, LTC, H&S Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Mountaineering and rock climbing questionnaire (professional)

Entry Points: Mountaineering professional

1 Activity

image 2021 12 13 20 23 32 949

(Multiple Selection, Single Follow Up)

  • If another type, screen 3 and refer

  • If Free solo = yes, Mountaineering and rock climbing questionnaire

  • If Buildering, Expeditions, Mountaineering and rock climbing questionnaire

  • If Hiking, Trekking or Alpine climbing, screen 2

  • If Bouldering, Artificial or Indoor Climbing

    • Life, CI, ADB, LTC: standard

    • H&S: 25% loading

    • Disability any: standard

-

2 Altitude/region

image 2021 12 13 20 25 08 376

  • If height > 5.300 meter

    • Life: refer

    • CI, Disability any, ADB, LTC, H&S: decline

  • If region Antarctica, Arctic or Greenland

    • Disability own: decline

    • CI, Disability any, ADB, LTC, H&S: refer

      • If Alpine climbing, Big Wall climbing, Ice Climbing, Traditional mountaineering

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

      • If Trekking, Via ferrata, Sports climbing

    • Life, CI, ADB: 1%o

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

      • If Hiking/Walking/Scrambling

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

3 Other activity

image 2021 12 13 20 27 02 044

  • refer

Skating (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Cancel reaction: Skating questionnaire (professional)

Entry Points: Skating professional

1 Activity

image 2021 12 15 13 33 41 523

(Multiple Selection, Single Follow Up)

  • If activity = Inline downhill skating / Downhill skating or Street luge

    • Life, CI, ADB: 2%o

    • Disability any, H&S: decline

    • LTC: 40% loading

  • If activity = Dirtboarding, Grassboarding, Mountainboarding, Off-road skating, Speed skating, Wind skating or Inline skating

    • Life, CI, ADB: standard

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

  • If activity = Other or Artistic roller skating, Caster boarding, Longboarding, Nordic blading, Roller skiing, Cross skating, Roller skating

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

Water sports (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Water sports questionnaire

Entry Points: Water sports professional

1 Details

image 2021 12 15 13 36 59 327

  • If dangerous areas = no and sailing around the world = no, screen 2

  • If dangerous areas = yes or sailing around the world=yes, screen 4 and refer

-

2 Activities

image 2021 12 15 13 37 38 874

(Multiple Selection, Single Follow Up)

  • If other, screen 5 and refer

  • If Cliff diving

    • Life, CI, ADB: refer

    • Disability any, LTC, H&S: decline

  • If Motorboating or Powerboat racing

    • Life: 6%o

    • Disability any, CI, ADB, LTC, H&S: decline

  • If Sailing, Yachting, Kayaking or White water rafting

    • Life, CI, ADB: 3%o

    • Disability any, LTC, H&S: decline

  • If Surfing, screen 3

  • If Jetski, Personal watercraft, Water scooter or Flyboarding

    • Life, CI, ADB: 1%o

    • Disability any: RC4 / 50% loading

    • LTC: 10% loading

    • H&S: 25% loading

  • If Canoeing, Rowing, Swimming, Water ski, Wakeboarding, Underwater rugby, Underwater hockey or Water polo

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

3 Surfing

image 2021 12 15 13 40 21 405

(Multiple Selection, Single Follow Up)

  • If other, screen 6 and refer

  • If Kitesurfing or Kite water skiing

    • Life, CI, ADB: 2%o

    • Disability any: RC4 / 50% loading

    • LTC: 40% loading

    • H&S: decline

  • If Windsurfing or Wave surfing

    • Life, CI, ADB, LTC: standard

    • Disability any: standard

    • H&S: 25% loading

-

4 Details dangerous areas / sailing around the world

image 2021 12 15 13 41 46 660

  • refer

-

5 Other activity

image 2021 12 15 13 42 53 244

  • refer

-

6 Other activity surfing

image 2021 12 15 13 43 27 209

  • refer

Winter sports (professional)

For Life, CI, Disability any, ADB, LTC, H&S
Disability own: decline

Default premium class for Disability benefits: 3

Cancel reaction: Winter sports questionnaire

Entry Points: Winter sports professional

1 Activities

image 2021 12 15 13 49 09 282

(Multiple Selection, Single Follow Up)

  • If region = Arctic, Antarctica or Greenland, refer

  • If region = none of those in list

    • If Speed skiing, extreme skiing or freestyle skiing

      • Life: refer

      • CI, Disability any, ADB, LTC, H&S: decline

    • If Heli-skiing

      • Life, CI, ADB: 2%o

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If Ski jumping, ski flying, nordic combined or snow kiting, Skeleton, Luge, Bobsledding or other

      • Life, CI, ADB: 1%o

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If Short track, Speed skating, Ice hockey, Ringette, Ice polo

      • Life, CI, ADB: standard

      • Disability any: RC4 / 50% loading

      • LTC: 10% loading

      • H&S: 25% loading

    • If Cross-country skiing, Nordic skiing, Figure skating, Ice dancing

      • Life, CI, ADB, LTC: standard

      • Disability any: standard

      • H&S: 25% loading

Data Collection

For all benefits

Cancel reaction: Occupation questionnaire

Entry Points: Unspecified occupations (e.g. general manager, expert, trainer, worker…)

Occupational status is known
This is a data collection module for all benefits. The application will be referred to underwriting.

If employed, screen 1

1 Details

image 2021 12 15 13 52 38 905

  • If self-employed, screen 2

-

2 Details

image 2021 12 15 13 56 21 190

-

3 Details unemployed

image 2021 12 15 13 56 54 162

  • If you are currently unemployed, please answer the questions referring to your latest job

  • If travelling to disaster zones or unsettled regions, screen 4

-

4 Disaster zones / unsettled regions

image 2021 12 15 13 58 03 608

  • refer

Student

For all benefits

Cancel reaction: Occupation questionnaire

Entry Points: Student

1 Specification

image 2021 12 15 14 13 49 137

  • The assessment is made according to the specified course of study.

Apprentice

For all benefits

Cancel reaction: Occupation questionnaire

Entry Points: Apprentice

1 Specification

image 2021 12 15 14 15 23 350

  • The assessment is made according to the specified apprenticeship.

Modules for occupational hazard

Offshore

For all benefits

Cancel reaction: Offshore Work questionnaire

Entry Points: Occupational hazard Offshore

1 Details industry

image 2021 12 15 14 16 40 800

(Single Follow Up)

  • If fishing

    • Life, CI, ADB: 2%o

    • Disability own/any, H&S: decline

    • LTC: 40% loading

  • If merchant marine/shipping or oil and gas industry, screen 2

  • If fish farming

    • Life, CI, ADB: 1%o

    • Disability own: RC4 / 100% loading

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 50% loading

  • If scientific/research or wind power

    • Life, CI, ADB: 1%o

    • Disability own: RC3 / 50% loading

    • Disability any: RC4 / 50% loading

    • LTC: 20% loading

    • H&S: 25% loading

  • If other, screen 3 and refer

-

2 Administrative duties

image 2021 12 15 14 18 48 033

  • If oil and gas industry

    • If administrative duties/light work = no

      • Life, CI, ADB: 2%o

      • Disability own/any, H&S: decline

      • LTC 40% loading

    • If administrative duties/light work = yes

      • Life, CI, ADB: 1%o

      • Disability own: RC4/ 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

  • If merchant marine/shipping

    • If administrative duties/light work = no

      • Life, CI, ADB: 1%o

      • Disability own: RC4 / 100% loading

      • Disability any: RC4 / 50% loading

      • LTC: 20% loading

      • H&S: 50% loading

    • If administrative duties/light work = yes

      • Life, CI, ADB: standard

      • Disability any: standard

      • Disability own: RC3 / 50% loading

      • LTC: 20% loading

      • H&S: 25% loading

-

3 Details

image 2021 12 15 14 20 49 983

  • refer

Occupational hazard data collection

This is a data collection module for all benefits. The application will be referred to underwriting

Cancel reaction: Occupation Questionnaire

Entry Points: Occupational hazard Other

Occupational status is known

  • If employed, screen 1

  • If self-employed, screen 2

  • If unemployed, screen 3

1 Details employed

image 2021 12 15 14 25 45 029

-

2 Details self-employed

image 2021 12 15 14 27 25 993

-

3 Details unemployed

image 2021 12 15 14 27 52 526

  • If you are currently unemployed, please answer the questions referring to your latest job