The second level of underwriting is at the department or office level. It involves specialists and persons who are proficient in such work and who consider all the relevant data on the case to decide whether to accept a proposal for insurance and on what terms.
Some of the factors which affect a person's morbidity are age, gender, habits, occupation, build, family history, past illness or surgery, current health status and place of residence.
Initial Waiting Period -A typical health insurance policy covers illnesses only after an initial 30 days (except accident related hospitalization).
Scrutiny/process sheet - It is usually a single sheet where the entire processing notes are captured.
Documentation in health insurance claims - Discharge summary, Investigation reports, Consolidated and detailed bills, Receipt for payment, Claim form, Identity proof, Documents contingent to specific claims
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