Page 199 - IC38 GENERAL INSURANCE

CHAPTER 9

HEALTH INSURANCE UNDERWRITING

Chapter Introduction
This chapter aims to provide you detailed knowledge about underwriting in
health insurance. Underwriting is a very important aspect of any type of
insurance and plays a vital role in issuance of an insurance policy. In this
chapter, you will get an understanding about basic principles, tools, methods
and process of underwriting. It will also provide you the knowledge about group
health insurance underwriting.
Learning Outcomes

A. What is underwriting?
B. Underwriting - Basic concepts
C. File and Use guidelines
D. Other health insurance regulations of IRDAI
E. Basic principles and tools for underwriting
F. Underwriting process
G. Group health insurance
H. Underwriting of Overseas Travel Insurance
I. Underwriting of Personal Accident Insurance

After studying this chapter, you should be able to:
a) Explain what is meant by underwriting
b) Describe the basic concepts of underwriting
c) Explain the principles and the various tools followed by underwriters
d) Appreciate the complete process of underwriting individual health policies
e) Discuss how group health policies are underwritten

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