Q. What does an insurance company consider to determine whether a proposal is to be underwritten on a medical or non-medical basis?

View solution

Q. Under what circumstances may an underwriter treat a proposal under the medical scheme even if the client falls under the norms applicable for non-medical acceptance according to the non-medical grid?

View solution

Q. What factors and details are an important part of evaluating the risk profile of an individual?

View solution

Q. What is body mass index (BMI)?

View solution

Q. What have medico-actuarial studies proven about the extra risk associated with being either overweight or underweight?

View solution

Q. What is the purpose of build charts and tables?

View solution

Q. What is the medical-sum-at-risk (MSAR)?

View solution

Q. What is excluded from the medical-sum-at-risk?

View solution

Q. What is the financial-sum-at-risk (FSAR)?

View solution

Q. What is the Agent's Confidential Report (ACR)?

View solution

Q. What is the purpose of determining the medical or non-medical basis of a proposal?

View solution

Q. What factors are generally considered in the norms for determining whether a proposal is to be underwritten on a medical or non-medical basis?

View solution

Q. What is BMI used for?

View solution

Q. What is the purpose of calculating the medical-sum-at-risk?

View solution

Q. What is the difference between MSAR and FSAR?

View solution

Q. What is the purpose of a pre-insurance medical examination?

View solution

Q. Who conducts the pre-insurance medical examination?

View solution

Q. What is included in a pre-insurance medical examination?

View solution

Q. Who pays for the costs of the medical tests?

View solution

Q. What are the additional questionnaires provided to clients during the pre-insurance medical examination for?

View solution