COVID: The Difficulty Of Underwriting The “Long Haulers”
A small but significant amount who have “recovered” from the acute phase of the illness still have a degree of disability which affects their day-to-day living. These are the “long haulers”—those in whom COVID has spared in the short term but in whom we have truly no idea of what the long term prognosis will be, either morbidity or mortality wise.
Multiorgan symptoms after recovery from COVID-19 are increasingly being reported. RGA conducts a comprehensive evaluation of 'long COVID' and other trends among survivors of the virus and addresses important underwriting and claims considerations.
The World Of Electronic Health Records (EHR) For Life Insurance Underwriting
Electronic Health Records (EHR) are the hottest trend in life insurance underwriting today. The growing accessibility and innovation by solution providers is transforming the life underwriting process.
Three Health Risks for Life Insurers to Consider that Could Indicate Future Heart Disease
This Heart Month, we examine three contributing factors insurers can consider when reviewing a life insurance applicant’s laboratory and medical history. We also highlight some early research that has been published on what complications COVID-19 may cause to the cardiovascular system.
Digital Health – Light and Shadow for Life & Health Insurers
Digital health – for insurers “the digital transformation”, the “oil of the 21st century” – has been a hot topic for almost a decade now. So have digital opportunities now been fully embraced and a tidal wave of health data leveraged to the benefit of individual/insureds, healthcare systems and Life & Health insurers?
Have you noticed that the word invasive is being bandied about more and more often in underwriting-related articles and commentaries published online and in various industry publications? This is mainly being done by those advocating radical changes in underwriting practices.
The purpose of this paper is to discuss the insurability implications of low normal/ below normal ALT in the elderly… in the hope that insurers will consider adding appropriate guidelines for this finding at older ages.