If you have submitted an application for insurance whether it be for life, , serious illness etc your application may be referred to a manual underwrite you’re your case does get referred, it is nothing to really worry about.
The reason for the insurance company referring it is so that they can give a fair decision on the application. If the insurance company decides to write to your doctor’s surgery, this can be a timely and lengthy process. Because doctor’s surgeries are busy at the best of times, the information requested from them can some times take the longest to be returned. This is because they more than likely have hundred of patients attending the surgery.
They need to deal with all of the patients first and then they and deal with the other work that they have. On average the general practitioner reports or further information can take anything between 7 days and a couple of months to be returned.