What is medical underwriting?

Medical underwriting is a process used by insurance companies to evaluate an individual's health risks based on their medical history, age, and lifestyle. This assessment helps determine the terms of the insurance coverage, including premium costs and any exclusions. The outcome influences the affordability and extent of coverage offered to the individual. In some cases, coverage may be declined if an individual's risk is deemed too high.

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During underwriting, the insurer may request medical records from the insured person's physician, require health examinations, and ask the applicant to complete a health questionnaire as part of the application. This information provides a comprehensive view of the applicant's health.