In the context of life, living benefits, and health insurance, an “attending physician’s statement (APS)” is a report provided by the insured person’s doctor detailing their medical history, diagnoses, treatments, and current health status. Insurers use the APS to assess the risk associated with providing coverage and to make informed underwriting decisions. Insurers also use an APS at claim time, to assess a claim.
Key aspects of APS include:
Medical history
Comprehensive details of the insured’s health history.
- Doctor’s report: Prepared by the insured’s attending physician.
- Risk assessment: Used by insurers to evaluate underwriting risk.