Principles of Health Insurance Underwriting
Principles of Health Insurance Underwriting
Why do we underwrite?
? To standardise risk ? To prevent anti-selection
? When someone applying for insurance knows more than we do about why they may be a higher risk than the norm
? To keep premiums affordable ? To attract new (group) business
When do we Underwrite?
? Application ? Upgrade or change of plan ? Addition of family members (new people only
underwritten) ? Return from overseas ? End of period of abeyance ? Group leavers (depending on time spent in
group scheme)
What are we worried about?
? Pre-existing conditions
? Don't have to be diagnosed, just signs and symptoms is enough
? Planned or anticipated treatment
We are not worried about...
? Family history ? Genetic pre-disposition
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