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?

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

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Q. What is body mass index (BMI)?

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

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

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

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

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

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

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

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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?

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Q. What is BMI used for?

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

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Q. What is the difference between MSAR and FSAR?

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

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Q. Who conducts the pre-insurance medical examination?

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

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

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

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Q. What tests may be conducted during a pre-insurance medical examination?

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