What is the benefit of a medically underwritten health care plan compared to the others?

Medically underwritten health care plans are designed for individuals who are willing to answer health questions as part of the application process. When insurers are able to assess an applicant’s health profile, they may offer plan designs with broader coverage features or higher limits compared to plans that do not involve medical underwriting. The exact structure and suitability of these plans depend on the insurer and the individual applying.