Medical Underwriting

Many individual health and dental insurance plans do not require a physical medical exam. However, some plans involve medical questions as part of the application, and in certain cases insurers may request additional medical information. Requirements vary depending on the plan and insurer.

Medical underwriting is the process insurers use to assess an applicant’s health history and other factors when evaluating an application for coverage. Depending on the plan, this may involve completing a health questionnaire and, in some cases, the insurer may request additional medical information. The underwriting outcome can affect eligibility and the terms of coverage offered.