Health Insurance Underwriting

Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used to classify the risk, the insurer will most likely classify Jim according to the occupatio that

Is most hazardous

Each of the following is a significant consideration in the underwriting of individual health insurance risks except

Geographic Location

An increase in which factor will decrease the disability insurance premium

Interest rate

Which of the following would probably NOT be considered in underwriting a health insurance risk?

Marital Status

Which of the following is NOT considered to be insurer expenses?

Policy premiums

Which of the following is NOT a factor in determining the morbidity of a group of individuals?

Race

Which of these factors do NOT affect the rates of medical insurance?

Race

Which of the following is NOT a technique for issuing health insurance policies to individuals with chronic health conditions

Requiring yearly physical examinations

One technique that helps to control health care costs is a requirement for

Second surgical opinions

What is the term used to described the frequency and severity of certain illness and accidents ?

morbidity