Underwriting: meaning in health insurance
การพิจารณารับประกัน
Underwriting is the insurer's assessment of your application and health declaration to decide whether to accept you and on what terms.
Possible outcomes
- Accepted at standard terms
- Accepted with a personal exclusion for a condition
- Accepted with a premium loading
- Postponed or declined
What insurers look at
Age, medical history, current treatments, sometimes a medical check-up for older applicants or high limits. Answer the health questions completely and accurately.
General definition: the exact rules are those of your policy wording.
Related terms
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