Changes in QPR Database Upgrade 16.1

Changes in V16.1

 New product rated under Mortgage Protection (MPI)
> Partners Life - Household Expenses v19.1 effective 22 April 2024

 New documents added:

> Accuro SmartCare and SmartCare Plus June2024 (Policy document update only)

> Southern Cross Wellbeing1&2 Oct2024 (rating changes applied to exclusions)

> Chubb Life Biz&Personal 26 September 2024 (Personal rating changes applied to Child Trauma, Instant Buyback and update to trauma expiry age)

 Remediations Personal & Business:

> Medical
* Major review for non-pharmac which includes split into two items: 
- non-PHARMAC drugs (cancer specific) 
- non-PHARMAC drugs (non-cancer) 

 > Life cover

* Sub-item review for Conversion Option (renamed to Cover Conversion)
* Sub-item remediation for Terminal Illness (Asteron Life) and Upgrade Policy Wording

> Trauma

* Sub-item remediation for Permanent Loss of Hearing
* Sub-item remediation for Permanent Paralysis

> Specific Injury
* Sub-item remediation for Permanent Paralysis

> Income/Mortgage
* Sub-item remediation for Travel and Transport (Asteron Life)
* Sub-item remediation for Key Person and Business Expenses Partial Disability (Asteron Life)

* Update to income expiry age for 2 and 5 year benefit (Asteron Life)  

 FSR updates applied to:

* Asteron Life FSR updated from A+ to A

* Accuro FSR rating update from B to A

* SBS FSR rating update from BBB to BBB+

* Booster Assurance update to NR