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 The expertise of a Chief Medical Officer Medical Director helps in utilizing his
knowledge in decisions of underwriting and claims with respect to all kinds of
products ranging from life. critical illness, health and disability

 The CMOs depth of medico-legal knowledge is generally useful for drafting the
definitions. teens and conditions of different type of products especially those
pertaining to health and critical illness.

 His expertise in the field of medicine is useful in medico-actuarial studies and
research which in turn is useful for pricing and designing products.

 The life tables that are drawn for actuarial purposes and the analysis on survival
curves and life-expectancy utilize the services of the medical fraternity.

 The common patterns for diseases and other health-related conditions and the
approach for arriving at the rating methodologies. underwriting philosophy etc.
can be best suggested by the Chief Medical Officer

 The sensitivity and specificity of various diagnostic tests along with the predictive
values are best understood by the medical officer and hence directly help in the
formulating of underwriting norms and developing innovate health and critical
illness products for an insurance company.

 The CMO / Medical Director may have a team of one or more doctors who assist
in these activities it' the volume of business underwritten by the insurance
company is large.

d) Underwriting Support Team

The underwriting support team manages and controls the administration of various
activities and sub-activities other than underwriting. The activities include:

 The "underwriting- support "team manage and control the administration of'
various activities and sub-activities from the point of entry of insurance
applications in the underwriting department up to the stage of final underwriting
decision (excluding technical underwriting, which is done by the underwriters).

 The cases that are referred to the reinsurers for decisions / guidance are also
controlled by the reinsurance unit of the underwriting-support team.

 The cases which finally get accepted are sent for issuance of the policy
document and the ones that are rejected are taken up for refunding the proposal
deposit (consideration/premium deposit amount) back to the clients.

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