By switching from paper to electronic, underwriters can begin the assessment process earlier providing consumers with terms quicker.
Doctors can complete the reports in less time because the software behind the system automatically blanks out information making sure only relevant data is passed on to the provider.
The system is encrypted to NHS standards to ensure that customer sensitive data is transmitted to the highest security standards.
The electronic medical reports will continue to include patient consent obtained in line with the Access to Medical Reports Act (AMRA).
Scott Cadger, head of underwriting and claims strategy at Scottish Widows, said: “We’re constantly looking at how we can improve the customer experience.
“They will also significantly reduce the number of policies that are not proceeded with due to the long period from initial submission date so, ultimately, more people will be covered as a result. This is part of our ongoing commitment to the protection market.”
Earlier this month, Scottish Widows announced it had completed a programme of training with the British Medical Association to embed a better understanding of doctors’ income into its underwriting policy.