The first stage of documentation is the proposal form through which the insured informs about herself and what insurance she needs
The duty of disclosure of material information arises prior to the inception of the policy, and continues throughout the policy period in case of Health Insurance
The process of scrutinising the proposal and deciding about acceptance is known as underwriting.
Primary health care - services offered by the doctors, nurses and other small clinics which are contacted first by the patient for any sickness
Secondary health care refers to the healthcare services provided by medical specialists and other health professionals who generally do not have first contact with patient.
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