Medical Underwriting

Managing client expectations is now more critical than ever and has extended quite firmly into medical underwriting.

This white paper investigates the emergence of excess mortality and new-onset disease resulting in insurance underwriting significance beyond 30 days from the time of infection.

Underwriting guidelines today follow the principles of evidence-based underwriting. By adhering to those principles, insurance companies make sure that all risk decisions made by underwriters have a substantial statistical basis.
 

It is a long way from Bob Dylan’s realistic prophecy of what was happening and what was to come back in 1964 when he wrote the song. No one can disagree with the state of the world protests and the COVID pandemic that the times certainly are a-changin’. This is also the phenomenon happening in underwriting and risk selection, and we have to be prepared to meet the changes to insure a positive outcome no matter our underlying feeling about what those changes are.
 

Are Miracle Drugs Being Outmatched by Superbugs?

Merrill Matthews Jr., a health policy analyst, says one key to reviving the U.S. individual major medical market is bringing back medical underwriting.

http://www.lifehealthpro.com/2016/11/23/health-market-needs-medical-unde...

Slides from Dr. Brian Ivanovic’s presentation at the SOA Underwriting Issues & Innovations Seminar, Aug 1-2, 2016 in Chicago have been posted.

https://www.soa.org/Professional-Development/Event-Calendar/2016/underwr...
(Go to “Medical Topics” at the 8:05-9:40am time slot to download PDF)

Articles in the latest edition of RGA's ReFlections Newsletter include:

• Trends in Respiratory Diseases
• Biomarkers: Can They Add Value? Part 2
• Pediatric Underwriting
• What Does the Continuity of Care Documents Hold for Underwriters?

http://www.rgare.com/knowledgecenter/Documents/ReFlections%20Spring%2020...