Occupational Underwriting Guidelines

Transcription

1 Occupational Underwriting Guidelines A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Abbreviations: S.I. = Serious Illness PTD (O) = Permanent Total Disability, Own Occupation WOP = Waiver of Premium PA = Personal Accident PHI = Personal Health Insurance 1 1 Occupations will exhibit varying degrees of risk for PHI. Zurich Life has devised occupational classifications based on what the occupation entails in terms of skill, physical work, stress and health / accident risks. Other considerations in accessing occupations are sensitivity to economic climate change and claims experience. Occupational Class Occupational Risk 1 Low 2 Slight 3 Moderate 4 Appreciable D (Declined) High (or poor claims experience) Accountant Yes Yes Yes Yes 1 Actor Yes No No Yes D Actuary Yes Yes Yes Yes 1 Acupuncturist Yes No Yes Yes 2 Administrative / Clerical Worker Yes Yes Yes Yes 1 Advertising Agent Yes No Yes Yes 2 Aerial Erector Yes* No No No D Average & Maximum Heights Aerial Photographer Yes* No No No D Aviation Questionnaire Agricultural Inspector Yes No Yes Yes 3 Agriculture Worker Yes No No No D Air Traffic Controller Yes No Yes Yes *3 *Ceasing Age 55 Aircraft Maintenance Technician Yes No No Yes 3 Airline Cabin Crew Yes No Yes Yes 3 Alarm Installer Yes No Yes Yes 4 Ambulance Crew Yes No No Yes D Anaesthetist Yes No Yes Yes 1

2 Animator Yes No Yes Yes 2 Announcer TV/Radio (studio work only) Yes No Yes Yes 2 Antiques Dealer Yes No Yes Yes 3 Archaeologist (depends on duties/no digging/excavating) Yes Yes Yes Yes 2 Architect Yes Yes Yes Yes 1 Archivist Yes Yes Yes Yes 1 Army Yes* No No No D Details of Bomb Disposal Artist Yes No No Yes D Assessor - Insurance Claims Yes Yes Yes Yes 2 Auctioneer (non-manual) Yes Yes Yes Yes 1 Auditor Yes Yes Yes Yes 1 Author Yes No Yes Yes D Baggage Handler/Loader (airport) Yes No No No D Baker Yes No Yes Yes 3 Bank Official Yes Yes Yes Yes 1 Barber Yes No Yes Yes 3 Barmaid Yes No Yes Yes D Barman Yes No Yes Yes D Barrister Yes Yes Yes Yes 1 Beautician (shop based) Yes No Yes Yes 2 Beauty Therapist Yes No Yes Yes 2 Binman Yes No No No D Biochemist Yes Yes Yes Yes 2 Biologist (no underwater work/overseas travel) Yes Yes Yes Yes 2 Blind Maker Yes No Yes Yes 3 Book-keeper Yes Yes Yes Yes 1

3 Bread man Yes No No No D Bricklayer Yes No No No D Builder Yes* No No No D Builder Construction Industry Yes* No No No D Builder's Labourer Yes* No No No D Building Contractor (no manual duties) Yes No Yes Yes 2 Bus Driver Yes No No Yes D Business Consultant Yes Yes Yes Yes 2 Butcher (no slaughtering) Yes No Yes Yes 3 Butcher (slaughtering) Yes No No Yes D Cable Layer Yes No No No D Depths worked at required Café Proprietor Yes No Yes Yes 3 Car Park Attendant Yes No No Yes D Car Salesman Yes No Yes Yes 3 Care Worker Yes No No Yes D Caretaker Yes No No Yes 4 Carpenter Yes No Yes Yes 4 Carpet Layer/Fitter Yes No No Yes 4 Cashier (not retail stores) Yes Yes Yes Yes 2 Cattle Dealer Yes No No No D Central Heating Installer Yes No No Yes 4 Chauffeur Yes No No Yes D Chef Yes No Yes Yes 3 Chemical Engineer Yes Yes Yes Yes 2 Chemist (shopkeeper) Yes No Yes Yes 2 Child minder Yes No No Yes D Chiropodist Yes Yes Yes Yes 2

4 Chiropractor Yes Yes Yes Yes 2 Cinema Manager Yes No Yes Yes 2 Civil Engineer (clerical/administrative only) Yes Yes Yes Yes 1 Cleaner Yes No No Yes D Clergy Yes No Yes Yes 2 Clock Maker / Repairer Yes No Yes Yes 3 Coach Driver Yes No No Yes D Coal Delivery Yes No No No D Coast Guard (0ffice based) Yes Yes Yes Yes 2 Commodity Broker/Dealer (not money/foreign exchange) Yes No No Yes *2 *Ceasing Age 55 Computer Analyst Yes Yes Yes Yes 1 Computer Operator/Engineer Yes No Yes Yes 2 Computer Programmer Yes Yes Yes Yes 1 Construction Industry Worker Yes* No No No D Coroner Yes Yes Yes Yes 1 Counsellor Yes No Yes Yes 3 Courier Car / Van Yes No No Yes D Courier Motor Cycle Yes* No No No D Crane Driver Yes* No No No D Average & Maximum Heights Crèche Worker Yes No Yes Yes D Curator Museum/Art Gallery Yes No Yes Yes 2 Curtain Maker Yes No Yes Yes 3 Customs & Excise Officer Yes Yes Yes Yes 2 Dancer / Instructor Yes No No Yes D Defence Forces Member Yes* No No No D Details of Bomb Disposal Delivery (e.g. Milkman) Yes No No Yes D

5 Demolition worker Yes* No No No D Average & Maximum Heights Dental Hygienist Nurse Yes No Yes Yes 3 Dentist Yes No No Yes *4 *Ceasing Age 60 Digger Driver Yes No No No D Disk Jockey Yes No No Yes D Docker Yes No No No D Doctor/Medical Practitioner Yes Yes Yes Yes 2 Dog Breeder Yes No Yes Yes 2 Draughtsman Yes Yes Yes Yes 1 Dress Designer Yes No Yes Yes 2 Dress Maker Yes No Yes Yes 3 Driving Instructor Yes No No Yes D Dry Cleaner (shop based) Yes No Yes Yes 2 Economist Yes Yes Yes Yes 1 Editor Yes Yes Yes Yes 2 Electrical Engineer Admin Only Yes Yes Yes Yes 2 Electrical Engineer Manual Duties Yes No Yes Yes 2 Electrician Yes No No Yes 3 Electricity Generating - Control Room Operator Electricity Generating- Administration only Yes Yes Yes Yes 2 Yes Yes Yes Yes 1 Embalmist Yes No No Yes 3 Engineer Yes No Yes Yes 4 Engineer - Civil Yes Yes Yes Yes 1 Engineer - Industrial Yes No Yes Yes 3 Engineer - Maintenance Yes No Yes Yes 4 Engineer Structural Yes Yes Yes Yes 1

6 Engineer Telecommunications Yes No Yes Yes 3 ESB linesman Yes No No No D Estate Agent Yes Yes Yes Yes 2 Excavation Worker Yes* No No No D Mining Questionnaire Fabricator Yes No No No D Full occupational details required Factory Worker Yes No No Yes 3 Farm Labourer Yes No No No D Farm Manager (no manual work) Yes No Yes Yes 2 Farmer Yes No No Yes D Fashion Designer Yes No Yes Yes 2 FAS Worker Yes No Yes Yes 4 Film Industry - Cameraman Yes No Yes Yes 3 Film Industry - Director Yes Yes Yes Yes 2 Film Industry - Producer Yes Yes Yes Yes 2 Film Industry - Designer Yes No Yes Yes 2 Film Industry - Editor Yes Yes Yes Yes 2 Film Industry - Technician Yes No Yes Yes 3 Fireman Yes* No No No D Fisherman Yes* No No No D Fisherman Questionnaire Fish Farmer ( no work at sea ) Yes No No Yes 4 Fitness Instructor Yes No No No D Fitter- manufacturing Yes No No Yes 4 Florist Yes No Yes Yes 2 Foreman Yes No No Yes D Forester/ Ranger Yes No No Yes 4 Fork Lift Driver Yes No No Yes D

7 Foundry Worker Yes* No No No D Funeral Director / Undertaker Yes No Yes Yes 3 Furniture Maker Yes No No Yes 4 Garage Owner (non-manual) Yes No Yes Yes 2 Garage Worker (general duties) Yes No No Yes D Garda Yes No No No D Gardener Yes No Yes Yes 4 Gas Fitter Yes No Yes Yes 4 General Maintenance Yes No No No D Exact duties required General Operative Yes No No No D Full occupational details required Geologist - depends on duties Yes No Yes Yes 2 Exact duties required for WOP & PA Glass Cutter Yes No No No 4 Glazier Yes No No No D Golf Course Secretary / Manager Yes No Yes Yes 2 Graphic Designer (computer only) Yes Yes Yes Yes 2 Greengrocer Yes No Yes Yes 3 Greenkeeper Yes No Yes Yes 4 Guest House Proprietor Yes No Yes Yes D Hairdresser Yes No Yes Yes 3 Haulage Contractor No Driving Yes No Yes Yes 3 Haulage Driver Yes No No No D Heavy Plant Driver Yes* No No No D Horse Breeder (depending on duties) Yes No No Yes 3 Horse Trainer Yes No Yes Yes 4 Horticulturist Yes No Yes Yes 4

8 Hotel Worker- Proprietor/Manager/Receptionist Yes Yes* Yes* Yes 2 *Depends on exact duties Housewife/Husband Yes No Yes Yes* D Insulator Yes No No No D Insurance Broker/Agent Yes Yes Yes Yes 1 Interior Designer Yes Yes Yes Yes 2 Interpreter Yes No Yes Yes 2 IT Consultant Yes Yes Yes Yes 1 Investment Banker Yes Yes Yes Yes 1 Investment Dealer Yes No Yes Yes 3 Phi to maximum age of 55 JCB Driver Yes* No No No D Jeweller (making/repairs) Yes No No Yes 3 Jeweller (retailer) Yes No Yes Yes 2 Jockey Yes* No No No D Joiner Yes No Yes Yes 4 Journalist Yes No Yes Yes 3 Judge Yes Yes Yes Yes 1 Kerb Layer Yes No No No D Kitchen Hand Yes No No Yes D Laboratory Technician (depending on duties) Yes No Yes Yes 2 Labourer ( no heights) Yes No No No D Landscape Gardener Yes No No Yes 4 Laundry Worker Yes No No Yes 3 Law Searcher Yes Yes Yes Yes 1 Lawyer Yes Yes Yes Yes 1

9 Lecturer Yes No Yes Yes 2 Librarian Yes Yes Yes Yes 1 Lifeguard Yes No No No D Lithographer Yes No Yes Yes 2 Locksmith Yes No Yes Yes 3 Long Distance/HGV Driver Yes No No No D Lorry Driver Yes No No No D Loss Adjuster Yes Yes Yes Yes 2 Machine Driver Yes* No No No D Machine Operator Driver Yes* No No Yes D Machine Operator Factory Yes No No No 4 Maintenance Engineer Yes No Yes Yes 4 Management Consultant Yes Yes Yes Yes 1 Marine Biologist (no overseas/underwater work) Marine Surveyor (no overseas/underwater work) Yes Yes Yes Yes 2 Yes Yes Yes Yes 2 Market Gardener Yes No Yes Yes 4 Marketing Consultant Yes Yes Yes Yes 2 Mechanic (garage) Yes No Yes Yes 4 Metal Fabricator (no heights) Yes No No Yes D Midwife Yes No Yes Yes 3 Miller Yes No No Yes 3 Miner Yes* No No No D Mining Questionnaire Motorcycle Courier Yes* No No No D Musician Yes No No Yes D Newsagent Yes No Yes Yes 2

10 Newspaper Distributor Yes No No Yes D Newspaper - Office Worker Yes Yes Yes Yes 1 Newspaper - Printing (skilled workers only) Yes No Yes Yes 3 Newspaper - Reporter/Photographer Yes No Yes Yes 3 Nurse Auxiliary/ Attendant Yes No No No D Nurse General Yes No Yes Yes 3 Nurse Psychiatric Yes No No No D Occupational Therapist Yes Yes Yes Yes 2 Oil Refinery not over seas Yes No Yes Yes 4 Job description required Optician Yes Yes Yes Yes 1 Orthodontist Yes No Yes Yes *4 *Ceasing Age 60 Osteopath Yes No Yes Yes 2 Painter/Decorator Yes No Yes Yes 4 Panel Beater Yes No No Yes D Park Keeper/Ranger Yes No Yes Yes 4 Pathologist Yes Yes Yes Yes 2 Patrolman (security) Yes No No No D Petrol Pump Attendant Yes No No Yes D Pharmacist Yes Yes Yes Yes 1 Phlebotomist Yes No Yes Yes 2 Photographer (no overseas/aerial work) Yes No Yes Yes 3 Physiotherapist Yes No Yes Yes 2 Piano Tuner Yes No Yes Yes 2 Pilot (Commercial Aviation) Yes No No Yes D Aviation Questionnaire Pilot (Passenger Flights) Yes No No Yes D Confirm Airline Pilot (Private Aviation) Yes No No Yes D Aviation Questionnaire

11 Pipe Layer Yes* No No No D Plant Hire Contractor- (depending on duties) Yes No No Yes D Plasterer Yes No No Yes 4 Plumber Yes No Yes Yes 4 Pool Attendant Yes No No Yes D Porter (Hospital /Hotel) Yes No No Yes D Post Office - Engineer/Technician Yes No Yes Yes 3 Post Office - Supervisor Yes Yes Yes Yes 2 Postman Yes No No Yes D Potter/ Craftsman Yes No Yes Yes 4 Priest Yes No Yes Yes 2 Printer Yes No Yes Yes 3 Prison Officer Yes No No Yes D Private Investigator Yes No No Yes D Probation Officer Yes No Yes Yes D Production Planner Yes Yes Yes Yes 1 Property Owner Yes No No Yes D Psychiatrist Yes Yes Yes Yes 2 Psychologist Yes Yes Yes Yes 1 Psychotherapist Yes Yes Yes Yes 1 Public Relations Officer Yes Yes Yes Yes 1 Publican Yes No No Yes D Publisher Yes Yes Yes Yes 2 Purchasing Manager Yes Yes Yes Yes 2 Quantity Surveyor Yes Yes Yes Yes 2 Quarry Worker Yes* No No No D Mining Questionnaire

12 Radio - Office Worker Yes Yes Yes Yes 1 Radio - Producer Yes No Yes Yes 2 Radio - -Reporter Yes No Yes Yes 3 Radio - Technician Yes No Yes Yes 3 Radiographer Yes No Yes Yes 3 Radiologist Yes No Yes Yes 2 Rail Line Maintenance Yes No No No D Railway - Booking Office/Clerical Yes Yes Yes Yes 2 Railway - Ticket Inspector Yes No Yes Yes 3 Receptionist Yes Yes Yes Yes 1 Recording Engineer Yes No Yes Yes 3 Recruitment Consultant / Officer Yes Yes Yes Yes 1 Refrigeration Engineer Yes No Yes Yes 3 Refuse Collector Yes No No No D Restaurateur Yes No Yes Yes 3 Retired Yes No No No D Road Sweeper Yes No No No D Roofer Yes* No No No D Average & Maximum Heights Salesperson-Travelling (depending on duties) Yes No Yes Yes 3 Saw Mill Worker Yes No No NO D Scaffolder Yes* No No No D Average & Maximum Heights Scientist Yes Yes Yes Yes 2 Scrap Merchant Yes No No No D Seaman Merchant Navy Yes* No No No D Exact duties and cargo carried Seaman - Navy Yes No No No D Seaman Passenger Ferries Yes No No Yes D

13 Secretary Yes Yes Yes Yes 1 Security Guard (cash transportation) Yes No No No D Security Guard (indoors) Yes No Yes Yes 4 Security Van Driver Yes No No Yes D Service Manager Yes No Yes Yes 4 Sheet Metal Worker Yes No No No D Shoemaker Yes No Yes Yes 3 Shop Assistant / Sales Person Yes No Yes Yes 2 Shop Keeper Yes No Yes Yes 2 Sign Erector Yes* No No No D Heights for PTD Sign Writer Yes No Yes Yes 2 Social Worker Yes No Yes Yes 4 Software Engineer Yes Yes Yes Yes 2 Soldier Yes* No No No D Details of Bomb Disposal Solicitor Yes Yes Yes Yes 1 Sound Technician Yes No Yes Yes 3 Speech Therapist Yes Yes Yes Yes 1 Spray Painter Yes No Yes Yes D Stable Hand Yes No No No D Stage Manager (depending on duties) Yes No Yes Yes 2 Steel Erector Yes* No No No D Average & Maximum Heights Steel Fabricator Yes* No No No D Average & Maximum Heights Stevedore Yes* No No No D 1 per mille for Life Cover Exclude ARB si Stockbroker Yes No Yes Yes *2 *Ceasing Age 55 Stonemason Yes No No No D Store Detective Yes No Yes Yes 3

14 Storeman Yes No No Yes D Student Yes No No No D Stud Groom Yes No No No D Surgeon Yes No Yes Yes *3 *Own or Suited definition only Ceasing Age 55 Surveyor Yes Yes Yes Yes 2 Tailor Yes No Yes Yes 3 Tarmac Layer Yes No No No D Taxi Driver Yes No No Yes D Taxidermist Yes No Yes Yes 2 Teacher Yes No Yes Yes 4 Technician Yes No Yes Yes 4 Telecom Technician Yes No Yes Yes 3 Telephonist Yes No Yes Yes 2 Telesales Yes No Yes Yes 2 Theatre manager Yes No Yes Yes 2 Tiler - Floor/Wall Yes No Yes Yes 3 Tool Maker Yes No No Yes D Town Planner Yes Yes Yes Yes 2 Traffic Warden Yes No No Yes D Train Driver Yes No No Yes D Translator Yes No Yes Yes 2 Travel Agent Yes Yes Yes Yes 2 Tree Surgeon Yes* No No No D Turf Accountant (office staff) Yes No Yes Yes 2 TV network- Office worker Yes Yes Yes Yes 1 TV network- Producer Yes Yes Yes Yes 2 TV network- Reporter Yes No Yes Yes 3

15 TV network- Technician Yes No Yes Yes 3 TV network Presenter Yes No Yes Yes 2 TV Repairman Yes No Yes Yes 3 Typist Yes No Yes Yes 2 Undertaker Yes No Yes Yes 3 Unemployed Yes No No No D Upholsterer Yes No Yes Yes 4 Usher (court) Yes Yes Yes Yes 1 Valet Car Yes No No No D Van Driver Yes No No Yes D Veterinary Surgeon Yes No Yes Yes 3 Waiter/Waitress Yes No Yes Yes 3 Warehouse Person Yes No No No D Watch Maker / Repairer Yes No Yes Yes 3 Welder Yes No No Yes D Window Cleaner Yes No No No D Average & Maximum Heights Window Dresser Yes No Yes Yes 2 Window Installer / Fitter Yes No No No D Wine & Spirits Dealer Yes No Yes Yes 2 Wood Machinist Yes No Yes Yes 4 Zoologist (no overseas/field work) Yes Yes Yes Yes 2

16 January 2013